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$51,129
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,720
−HK$1,616/mo
Today · 4.125%
HK$54,336
baseline
▲ 0.50% · 4.625%
HK$57,642
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,672/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,881
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,548/mo
Today · 4.125%
HK$59,954
baseline
▲ 0.50% · 4.625%
HK$63,114
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,908/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,355
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,939/mo
Today · 4.125%
HK$65,203
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,406/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,257
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$1,857/mo
Today · 4.125%
HK$71,945
baseline
▲ 0.50% · 4.625%
HK$75,737
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,890/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,581
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,808
−HK$2,262/mo
Today · 4.125%
HK$76,070
baseline
▲ 0.50% · 4.625%
HK$80,699
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,140/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,633
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,769
−HK$2,167/mo
Today · 4.125%
HK$83,936
baseline
▲ 0.50% · 4.625%
HK$88,360
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,872/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,033
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,896
−HK$2,908/mo
Today · 4.125%
HK$97,804
baseline
▲ 0.50% · 4.625%
HK$103,755
+HK$5,951/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,608/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,132
−HK$2,785/mo
Today · 4.125%
HK$107,917
baseline
▲ 0.50% · 4.625%
HK$113,606
+HK$5,689/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,834/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$952,963 · Scale 2, in force from 26 Feb 2026)