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$51,173
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,765
−HK$1,617/mo
Today · 4.125%
HK$54,382
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,764/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,929
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,549/mo
Today · 4.125%
HK$60,005
baseline
▲ 0.50% · 4.625%
HK$63,168
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,010/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,408
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,940/mo
Today · 4.125%
HK$65,258
baseline
▲ 0.50% · 4.625%
HK$69,229
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,516/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,315
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,147
−HK$1,859/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$75,802
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,642
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,871
−HK$2,264/mo
Today · 4.125%
HK$76,135
baseline
▲ 0.50% · 4.625%
HK$80,767
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,270/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,701
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,839
−HK$2,168/mo
Today · 4.125%
HK$84,007
baseline
▲ 0.50% · 4.625%
HK$88,435
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,014/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,111
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,976
−HK$2,911/mo
Today · 4.125%
HK$97,887
baseline
▲ 0.50% · 4.625%
HK$103,844
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,774/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,473
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,221
−HK$2,788/mo
Today · 4.125%
HK$108,009
baseline
▲ 0.50% · 4.625%
HK$113,702
+HK$5,693/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,018/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,775 · Scale 2, in force from 26 Feb 2026)