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$51,125
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,715
−HK$1,616/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,637
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,876
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,402
−HK$1,547/mo
Today · 4.125%
HK$59,949
baseline
▲ 0.50% · 4.625%
HK$63,109
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,898/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,350
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,259
−HK$1,938/mo
Today · 4.125%
HK$65,197
baseline
▲ 0.50% · 4.625%
HK$69,164
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,394/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,251
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,082
−HK$1,857/mo
Today · 4.125%
HK$71,939
baseline
▲ 0.50% · 4.625%
HK$75,731
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,878/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,575
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,802
−HK$2,262/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,692
+HK$4,628/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,627
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,762
−HK$2,167/mo
Today · 4.125%
HK$83,929
baseline
▲ 0.50% · 4.625%
HK$88,353
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,858/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,025
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,888
−HK$2,908/mo
Today · 4.125%
HK$97,796
baseline
▲ 0.50% · 4.625%
HK$103,747
+HK$5,951/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,592/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,377
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,123
−HK$2,785/mo
Today · 4.125%
HK$107,908
baseline
▲ 0.50% · 4.625%
HK$113,596
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,816/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,884 · Scale 2, in force from 26 Feb 2026)