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$51,231
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,824
−HK$1,620/mo
Today · 4.125%
HK$54,444
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,888/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,994
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,522
−HK$1,551/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,240
+HK$3,167/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,477
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,389
−HK$1,943/mo
Today · 4.125%
HK$65,332
baseline
▲ 0.50% · 4.625%
HK$69,308
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,664/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,393
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,227
−HK$1,861/mo
Today · 4.125%
HK$72,088
baseline
▲ 0.50% · 4.625%
HK$75,887
+HK$3,799/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,176/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,723
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,954
−HK$2,267/mo
Today · 4.125%
HK$76,221
baseline
▲ 0.50% · 4.625%
HK$80,859
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,442/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,791
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,931
−HK$2,171/mo
Today · 4.125%
HK$84,102
baseline
▲ 0.50% · 4.625%
HK$88,535
+HK$4,433/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,204/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,216
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,084
−HK$2,914/mo
Today · 4.125%
HK$97,998
baseline
▲ 0.50% · 4.625%
HK$103,961
+HK$5,963/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,996/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,589
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,340
−HK$2,791/mo
Today · 4.125%
HK$108,131
baseline
▲ 0.50% · 4.625%
HK$113,831
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,262/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,855 · Scale 2, in force from 26 Feb 2026)