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$51,260
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,854
−HK$1,620/mo
Today · 4.125%
HK$54,474
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,948/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,026
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,555
−HK$1,552/mo
Today · 4.125%
HK$60,107
baseline
▲ 0.50% · 4.625%
HK$63,275
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,214/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,512
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,425
−HK$1,944/mo
Today · 4.125%
HK$65,369
baseline
▲ 0.50% · 4.625%
HK$69,346
+HK$3,977/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,738/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,431
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,266
−HK$1,862/mo
Today · 4.125%
HK$72,128
baseline
▲ 0.50% · 4.625%
HK$75,930
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,256/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,763
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$73,996
−HK$2,268/mo
Today · 4.125%
HK$76,264
baseline
▲ 0.50% · 4.625%
HK$80,904
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,528/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,836
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,977
−HK$2,172/mo
Today · 4.125%
HK$84,149
baseline
▲ 0.50% · 4.625%
HK$88,585
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,298/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,267
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,137
−HK$2,916/mo
Today · 4.125%
HK$98,053
baseline
▲ 0.50% · 4.625%
HK$104,020
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,106/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,647
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,399
−HK$2,793/mo
Today · 4.125%
HK$108,192
baseline
▲ 0.50% · 4.625%
HK$113,895
+HK$5,703/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,384/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,391 · Scale 2, in force from 26 Feb 2026)