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$51,198
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,791
−HK$1,618/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,720
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,958
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,485
−HK$1,550/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,164/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,438
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,349
−HK$1,942/mo
Today · 4.125%
HK$65,291
baseline
▲ 0.50% · 4.625%
HK$69,263
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,582/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,349
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,182
−HK$1,860/mo
Today · 4.125%
HK$72,042
baseline
▲ 0.50% · 4.625%
HK$75,839
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,084/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,678
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,907
−HK$2,265/mo
Today · 4.125%
HK$76,172
baseline
▲ 0.50% · 4.625%
HK$80,807
+HK$4,635/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,344/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,741
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,879
−HK$2,170/mo
Today · 4.125%
HK$84,049
baseline
▲ 0.50% · 4.625%
HK$88,479
+HK$4,430/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,098/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,157
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,024
−HK$2,912/mo
Today · 4.125%
HK$97,936
baseline
▲ 0.50% · 4.625%
HK$103,895
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,872/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,524
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,273
−HK$2,790/mo
Today · 4.125%
HK$108,063
baseline
▲ 0.50% · 4.625%
HK$113,759
+HK$5,696/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,126/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,247 · Scale 2, in force from 26 Feb 2026)