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$51,088
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,677
−HK$1,614/mo
Today · 4.125%
HK$54,291
baseline
▲ 0.50% · 4.625%
HK$57,595
+HK$3,304/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,582/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,835
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,359
−HK$1,546/mo
Today · 4.125%
HK$59,905
baseline
▲ 0.50% · 4.625%
HK$63,063
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,810/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,305
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,212
−HK$1,938/mo
Today · 4.125%
HK$65,150
baseline
▲ 0.50% · 4.625%
HK$69,114
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,300/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,031
−HK$1,855/mo
Today · 4.125%
HK$71,886
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,772/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,523
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,748
−HK$2,260/mo
Today · 4.125%
HK$76,008
baseline
▲ 0.50% · 4.625%
HK$80,633
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,016/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,703
−HK$2,164/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,288
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,958
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,818
−HK$2,907/mo
Today · 4.125%
HK$97,725
baseline
▲ 0.50% · 4.625%
HK$103,671
+HK$5,946/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,450/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,302
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,046
−HK$2,784/mo
Today · 4.125%
HK$107,830
baseline
▲ 0.50% · 4.625%
HK$113,513
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,660/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,188 · Scale 2, in force from 26 Feb 2026)