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$51,124
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,714
−HK$1,616/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,636
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,875
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,548/mo
Today · 4.125%
HK$59,948
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,896/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,257
−HK$1,939/mo
Today · 4.125%
HK$65,196
baseline
▲ 0.50% · 4.625%
HK$69,163
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,392/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,250
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,081
−HK$1,856/mo
Today · 4.125%
HK$71,937
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,874/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,574
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$2,262/mo
Today · 4.125%
HK$76,062
baseline
▲ 0.50% · 4.625%
HK$80,690
+HK$4,628/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,124/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,625
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,761
−HK$2,166/mo
Today · 4.125%
HK$83,927
baseline
▲ 0.50% · 4.625%
HK$88,351
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,854/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,023
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,886
−HK$2,908/mo
Today · 4.125%
HK$97,794
baseline
▲ 0.50% · 4.625%
HK$103,745
+HK$5,951/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,588/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,375
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,121
−HK$2,785/mo
Today · 4.125%
HK$107,906
baseline
▲ 0.50% · 4.625%
HK$113,594
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,812/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,865 · Scale 2, in force from 26 Feb 2026)