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$51,161
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,753
−HK$1,617/mo
Today · 4.125%
HK$54,370
baseline
▲ 0.50% · 4.625%
HK$57,678
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,740/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,916
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,443
−HK$1,549/mo
Today · 4.125%
HK$59,992
baseline
▲ 0.50% · 4.625%
HK$63,154
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,984/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,394
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,303
−HK$1,941/mo
Today · 4.125%
HK$65,244
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,488/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,300
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,132
−HK$1,858/mo
Today · 4.125%
HK$71,990
baseline
▲ 0.50% · 4.625%
HK$75,784
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,980/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,626
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,854
−HK$2,263/mo
Today · 4.125%
HK$76,117
baseline
▲ 0.50% · 4.625%
HK$80,749
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,234/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,683
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,820
−HK$2,168/mo
Today · 4.125%
HK$83,988
baseline
▲ 0.50% · 4.625%
HK$88,415
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$167,976/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,090
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,955
−HK$2,910/mo
Today · 4.125%
HK$97,865
baseline
▲ 0.50% · 4.625%
HK$103,820
+HK$5,955/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,730/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,450
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,197
−HK$2,788/mo
Today · 4.125%
HK$107,985
baseline
▲ 0.50% · 4.625%
HK$113,677
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,970/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,559 · Scale 2, in force from 26 Feb 2026)