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$51,099
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,689
−HK$1,615/mo
Today · 4.125%
HK$54,304
baseline
▲ 0.50% · 4.625%
HK$57,608
+HK$3,304/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,608/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,847
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,547/mo
Today · 4.125%
HK$59,919
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,838/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,319
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,226
−HK$1,938/mo
Today · 4.125%
HK$65,164
baseline
▲ 0.50% · 4.625%
HK$69,129
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$130,328/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,217
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,046
−HK$1,856/mo
Today · 4.125%
HK$71,902
baseline
▲ 0.50% · 4.625%
HK$75,692
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$143,804/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,539
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,764
−HK$2,261/mo
Today · 4.125%
HK$76,025
baseline
▲ 0.50% · 4.625%
HK$80,651
+HK$4,626/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,050/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,586
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,721
−HK$2,165/mo
Today · 4.125%
HK$83,886
baseline
▲ 0.50% · 4.625%
HK$88,308
+HK$4,422/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,772/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,979
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,840
−HK$2,906/mo
Today · 4.125%
HK$97,746
baseline
▲ 0.50% · 4.625%
HK$103,694
+HK$5,948/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,492/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,325
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,070
−HK$2,784/mo
Today · 4.125%
HK$107,854
baseline
▲ 0.50% · 4.625%
HK$113,539
+HK$5,685/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,708/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,401 · Scale 2, in force from 26 Feb 2026)