The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$51,166
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,617/mo
Today · 4.125%
HK$54,374
baseline
▲ 0.50% · 4.625%
HK$57,683
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,748/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,448
−HK$1,549/mo
Today · 4.125%
HK$59,997
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,994/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,309
−HK$1,940/mo
Today · 4.125%
HK$65,249
baseline
▲ 0.50% · 4.625%
HK$69,219
+HK$3,970/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$130,498/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,306
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$1,858/mo
Today · 4.125%
HK$71,996
baseline
▲ 0.50% · 4.625%
HK$75,791
+HK$3,795/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$143,992/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,632
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,860
−HK$2,264/mo
Today · 4.125%
HK$76,124
baseline
▲ 0.50% · 4.625%
HK$80,756
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,248/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,690
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,827
−HK$2,168/mo
Today · 4.125%
HK$83,995
baseline
▲ 0.50% · 4.625%
HK$88,423
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$167,990/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,098
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,963
−HK$2,911/mo
Today · 4.125%
HK$97,874
baseline
▲ 0.50% · 4.625%
HK$103,829
+HK$5,955/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,748/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,458
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,206
−HK$2,788/mo
Today · 4.125%
HK$107,994
baseline
▲ 0.50% · 4.625%
HK$113,687
+HK$5,693/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,988/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,641 · Scale 2, in force from 26 Feb 2026)