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$51,228
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,619/mo
Today · 4.125%
HK$54,440
baseline
▲ 0.50% · 4.625%
HK$57,753
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,880/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,519
−HK$1,551/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,236
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,386
−HK$1,942/mo
Today · 4.125%
HK$65,328
baseline
▲ 0.50% · 4.625%
HK$69,303
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,656/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,389
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,223
−HK$1,860/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$75,883
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,719
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$2,266/mo
Today · 4.125%
HK$76,216
baseline
▲ 0.50% · 4.625%
HK$80,854
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,432/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,787
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,927
−HK$2,170/mo
Today · 4.125%
HK$84,097
baseline
▲ 0.50% · 4.625%
HK$88,530
+HK$4,433/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,194/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,210
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,078
−HK$2,915/mo
Today · 4.125%
HK$97,993
baseline
▲ 0.50% · 4.625%
HK$103,955
+HK$5,962/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,986/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,583
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,334
−HK$2,791/mo
Today · 4.125%
HK$108,125
baseline
▲ 0.50% · 4.625%
HK$113,825
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,250/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,799 · Scale 2, in force from 26 Feb 2026)