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$51,195
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,787
−HK$1,618/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$3,310/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,954
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,481
−HK$1,550/mo
Today · 4.125%
HK$60,031
baseline
▲ 0.50% · 4.625%
HK$63,195
+HK$3,164/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,062/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,434
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,942/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$1,860/mo
Today · 4.125%
HK$72,037
baseline
▲ 0.50% · 4.625%
HK$75,834
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,074/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,672
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$2,265/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,802
+HK$4,635/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,170/mo
Today · 4.125%
HK$84,043
baseline
▲ 0.50% · 4.625%
HK$88,473
+HK$4,430/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,086/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,150
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,017
−HK$2,912/mo
Today · 4.125%
HK$97,929
baseline
▲ 0.50% · 4.625%
HK$103,888
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,858/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,516
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,266
−HK$2,789/mo
Today · 4.125%
HK$108,055
baseline
▲ 0.50% · 4.625%
HK$113,751
+HK$5,696/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,110/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,179 · Scale 2, in force from 26 Feb 2026)