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$51,264
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,620/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,552/mo
Today · 4.125%
HK$60,112
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,224/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,517
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,430
−HK$1,945/mo
Today · 4.125%
HK$65,375
baseline
▲ 0.50% · 4.625%
HK$69,353
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,750/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,437
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,272
−HK$1,862/mo
Today · 4.125%
HK$72,134
baseline
▲ 0.50% · 4.625%
HK$75,937
+HK$3,803/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,268/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,770
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$74,002
−HK$2,268/mo
Today · 4.125%
HK$76,270
baseline
▲ 0.50% · 4.625%
HK$80,911
+HK$4,641/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,540/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,843
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,985
−HK$2,172/mo
Today · 4.125%
HK$84,157
baseline
▲ 0.50% · 4.625%
HK$88,593
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,314/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,916/mo
Today · 4.125%
HK$98,062
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,124/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,656
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,409
−HK$2,793/mo
Today · 4.125%
HK$108,202
baseline
▲ 0.50% · 4.625%
HK$113,905
+HK$5,703/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,404/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,475 · Scale 2, in force from 26 Feb 2026)