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$51,200
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,618/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,722
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,960
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,549/mo
Today · 4.125%
HK$60,037
baseline
▲ 0.50% · 4.625%
HK$63,202
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,074/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,440
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,941/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,352
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,185
−HK$1,860/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$75,842
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,681
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,910
−HK$2,266/mo
Today · 4.125%
HK$76,176
baseline
▲ 0.50% · 4.625%
HK$80,811
+HK$4,635/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,352/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,744
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,883
−HK$2,169/mo
Today · 4.125%
HK$84,052
baseline
▲ 0.50% · 4.625%
HK$88,483
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,104/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,161
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,027
−HK$2,913/mo
Today · 4.125%
HK$97,940
baseline
▲ 0.50% · 4.625%
HK$103,899
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,880/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,528
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,278
−HK$2,789/mo
Today · 4.125%
HK$108,067
baseline
▲ 0.50% · 4.625%
HK$113,764
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,134/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,287 · Scale 2, in force from 26 Feb 2026)