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$51,270
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,865
−HK$1,620/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$3,316/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,568
−HK$1,551/mo
Today · 4.125%
HK$60,119
baseline
▲ 0.50% · 4.625%
HK$63,288
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,238/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,524
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,438
−HK$1,945/mo
Today · 4.125%
HK$65,383
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,766/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$1,862/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$75,946
+HK$3,803/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,779
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,011
−HK$2,269/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,921
+HK$4,641/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,853
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,995
−HK$2,172/mo
Today · 4.125%
HK$84,167
baseline
▲ 0.50% · 4.625%
HK$88,604
+HK$4,437/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,334/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,287
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,157
−HK$2,917/mo
Today · 4.125%
HK$98,074
baseline
▲ 0.50% · 4.625%
HK$104,041
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,148/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,668
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,422
−HK$2,793/mo
Today · 4.125%
HK$108,215
baseline
▲ 0.50% · 4.625%
HK$113,919
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,430/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,591 · Scale 2, in force from 26 Feb 2026)