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$51,224
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,817
−HK$1,619/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,986
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,514
−HK$1,551/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,231
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,469
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,381
−HK$1,942/mo
Today · 4.125%
HK$65,323
baseline
▲ 0.50% · 4.625%
HK$69,298
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,646/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,383
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,217
−HK$1,861/mo
Today · 4.125%
HK$72,078
baseline
▲ 0.50% · 4.625%
HK$75,877
+HK$3,799/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,156/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,713
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,944
−HK$2,266/mo
Today · 4.125%
HK$76,210
baseline
▲ 0.50% · 4.625%
HK$80,848
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,420/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,780
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,920
−HK$2,171/mo
Today · 4.125%
HK$84,091
baseline
▲ 0.50% · 4.625%
HK$88,523
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,182/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,203
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,071
−HK$2,914/mo
Today · 4.125%
HK$97,985
baseline
▲ 0.50% · 4.625%
HK$103,947
+HK$5,962/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,970/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,575
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,326
−HK$2,791/mo
Today · 4.125%
HK$108,117
baseline
▲ 0.50% · 4.625%
HK$113,816
+HK$5,699/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,234/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,723 · Scale 2, in force from 26 Feb 2026)