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$51,209
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,802
−HK$1,618/mo
Today · 4.125%
HK$54,420
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,840/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,970
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,497
−HK$1,550/mo
Today · 4.125%
HK$60,047
baseline
▲ 0.50% · 4.625%
HK$63,213
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,094/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,451
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,362
−HK$1,942/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$69,278
+HK$3,974/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,363
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$1,860/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$75,855
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,693
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,923
−HK$2,265/mo
Today · 4.125%
HK$76,188
baseline
▲ 0.50% · 4.625%
HK$80,824
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,376/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,757
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,896
−HK$2,170/mo
Today · 4.125%
HK$84,066
baseline
▲ 0.50% · 4.625%
HK$88,498
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,132/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,176
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,043
−HK$2,914/mo
Today · 4.125%
HK$97,957
baseline
▲ 0.50% · 4.625%
HK$103,917
+HK$5,960/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,914/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,545
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,295
−HK$2,790/mo
Today · 4.125%
HK$108,085
baseline
▲ 0.50% · 4.625%
HK$113,783
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,170/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,448 · Scale 2, in force from 26 Feb 2026)