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$51,053
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,641
−HK$1,614/mo
Today · 4.125%
HK$54,255
baseline
▲ 0.50% · 4.625%
HK$57,556
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,510/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,796
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,319
−HK$1,546/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,020
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,264
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,170
−HK$1,936/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$69,067
+HK$3,961/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$1,855/mo
Today · 4.125%
HK$71,838
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$3,786/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$143,676/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,475
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,698
−HK$2,259/mo
Today · 4.125%
HK$75,957
baseline
▲ 0.50% · 4.625%
HK$80,578
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,914/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,515
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,647
−HK$2,164/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,228
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,896
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,754
−HK$2,904/mo
Today · 4.125%
HK$97,658
baseline
▲ 0.50% · 4.625%
HK$103,601
+HK$5,943/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,316/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,233
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,975
−HK$2,781/mo
Today · 4.125%
HK$107,756
baseline
▲ 0.50% · 4.625%
HK$113,436
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,512/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,543 · Scale 2, in force from 26 Feb 2026)