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$51,205
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,618/mo
Today · 4.125%
HK$54,416
baseline
▲ 0.50% · 4.625%
HK$57,727
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,832/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,965
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,550/mo
Today · 4.125%
HK$60,043
baseline
▲ 0.50% · 4.625%
HK$63,208
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,086/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,942/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$69,272
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,191
−HK$1,860/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,687
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,917
−HK$2,265/mo
Today · 4.125%
HK$76,182
baseline
▲ 0.50% · 4.625%
HK$80,818
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,364/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,751
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,890
−HK$2,170/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$88,491
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,169
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,036
−HK$2,913/mo
Today · 4.125%
HK$97,949
baseline
▲ 0.50% · 4.625%
HK$103,909
+HK$5,960/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,898/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,537
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,287
−HK$2,790/mo
Today · 4.125%
HK$108,077
baseline
▲ 0.50% · 4.625%
HK$113,774
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,154/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,372 · Scale 2, in force from 26 Feb 2026)