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$51,104
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,694
−HK$1,615/mo
Today · 4.125%
HK$54,309
baseline
▲ 0.50% · 4.625%
HK$57,613
+HK$3,304/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,618/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,853
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,378
−HK$1,547/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,083
+HK$3,158/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,325
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,233
−HK$1,938/mo
Today · 4.125%
HK$65,171
baseline
▲ 0.50% · 4.625%
HK$69,136
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$130,342/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,053
−HK$1,856/mo
Today · 4.125%
HK$71,909
baseline
▲ 0.50% · 4.625%
HK$75,700
+HK$3,791/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$143,818/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,546
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,771
−HK$2,261/mo
Today · 4.125%
HK$76,032
baseline
▲ 0.50% · 4.625%
HK$80,659
+HK$4,627/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,064/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,594
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,729
−HK$2,165/mo
Today · 4.125%
HK$83,894
baseline
▲ 0.50% · 4.625%
HK$88,317
+HK$4,423/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,788/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,988
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,849
−HK$2,907/mo
Today · 4.125%
HK$97,756
baseline
▲ 0.50% · 4.625%
HK$103,704
+HK$5,948/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,512/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,335
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,080
−HK$2,784/mo
Today · 4.125%
HK$107,864
baseline
▲ 0.50% · 4.625%
HK$113,550
+HK$5,686/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,728/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,494 · Scale 2, in force from 26 Feb 2026)