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$51,364
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,623/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,906
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,142
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,555/mo
Today · 4.125%
HK$60,229
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,175/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,458/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,487
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,570
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,409
−HK$1,866/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,084
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,909
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,146
−HK$2,273/mo
Today · 4.125%
HK$76,419
baseline
▲ 0.50% · 4.625%
HK$81,069
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,838/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,144
−HK$2,177/mo
Today · 4.125%
HK$84,321
baseline
▲ 0.50% · 4.625%
HK$88,765
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,642/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,455
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,331
−HK$2,922/mo
Today · 4.125%
HK$98,253
baseline
▲ 0.50% · 4.625%
HK$104,231
+HK$5,978/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,506/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,855
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,614
−HK$2,798/mo
Today · 4.125%
HK$108,412
baseline
▲ 0.50% · 4.625%
HK$114,127
+HK$5,715/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,824/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,333 · Scale 2, in force from 26 Feb 2026)