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$51,059
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,647
−HK$1,614/mo
Today · 4.125%
HK$54,261
baseline
▲ 0.50% · 4.625%
HK$57,562
+HK$3,301/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,522/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,802
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,326
−HK$1,545/mo
Today · 4.125%
HK$59,871
baseline
▲ 0.50% · 4.625%
HK$63,027
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,742/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,270
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,176
−HK$1,937/mo
Today · 4.125%
HK$65,113
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,962/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$130,226/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,163
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,991
−HK$1,854/mo
Today · 4.125%
HK$71,845
baseline
▲ 0.50% · 4.625%
HK$75,632
+HK$3,787/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$143,690/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,482
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,706
−HK$2,259/mo
Today · 4.125%
HK$75,965
baseline
▲ 0.50% · 4.625%
HK$80,587
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,930/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,523
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,656
−HK$2,164/mo
Today · 4.125%
HK$83,820
baseline
▲ 0.50% · 4.625%
HK$88,238
+HK$4,418/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,640/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,906
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,764
−HK$2,905/mo
Today · 4.125%
HK$97,669
baseline
▲ 0.50% · 4.625%
HK$103,612
+HK$5,943/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,338/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,244
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,986
−HK$2,782/mo
Today · 4.125%
HK$107,768
baseline
▲ 0.50% · 4.625%
HK$113,449
+HK$5,681/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,646 · Scale 2, in force from 26 Feb 2026)