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$51,139
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,730
−HK$1,616/mo
Today · 4.125%
HK$54,346
baseline
▲ 0.50% · 4.625%
HK$57,653
+HK$3,307/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,692/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,892
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,417
−HK$1,548/mo
Today · 4.125%
HK$59,965
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,930/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,367
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,939/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$69,183
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,270
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$1,857/mo
Today · 4.125%
HK$71,958
baseline
▲ 0.50% · 4.625%
HK$75,751
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,916/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,595
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,821
−HK$2,263/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,714
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,648
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,167/mo
Today · 4.125%
HK$83,951
baseline
▲ 0.50% · 4.625%
HK$88,376
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,902/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,050
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,913
−HK$2,909/mo
Today · 4.125%
HK$97,822
baseline
▲ 0.50% · 4.625%
HK$103,775
+HK$5,953/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,644/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,405
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,151
−HK$2,786/mo
Today · 4.125%
HK$107,937
baseline
▲ 0.50% · 4.625%
HK$113,627
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,874/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,141 · Scale 2, in force from 26 Feb 2026)