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$51,227
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,618/mo
Today · 4.125%
HK$54,439
baseline
▲ 0.50% · 4.625%
HK$57,752
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,878/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,518
−HK$1,551/mo
Today · 4.125%
HK$60,069
baseline
▲ 0.50% · 4.625%
HK$63,235
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,138/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,385
−HK$1,942/mo
Today · 4.125%
HK$65,327
baseline
▲ 0.50% · 4.625%
HK$69,302
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,654/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,388
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,222
−HK$1,860/mo
Today · 4.125%
HK$72,082
baseline
▲ 0.50% · 4.625%
HK$75,882
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,164/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,949
−HK$2,266/mo
Today · 4.125%
HK$76,215
baseline
▲ 0.50% · 4.625%
HK$80,853
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,430/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,785
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,925
−HK$2,171/mo
Today · 4.125%
HK$84,096
baseline
▲ 0.50% · 4.625%
HK$88,529
+HK$4,433/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,192/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,209
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,077
−HK$2,914/mo
Today · 4.125%
HK$97,991
baseline
▲ 0.50% · 4.625%
HK$103,954
+HK$5,963/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,982/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,581
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,333
−HK$2,790/mo
Today · 4.125%
HK$108,123
baseline
▲ 0.50% · 4.625%
HK$113,823
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,246/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,784 · Scale 2, in force from 26 Feb 2026)