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$51,119
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,709
−HK$1,616/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,630
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,869
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,547/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,101
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,343
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,939/mo
Today · 4.125%
HK$65,190
baseline
▲ 0.50% · 4.625%
HK$69,156
+HK$3,966/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,380/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,243
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$1,857/mo
Today · 4.125%
HK$71,930
baseline
▲ 0.50% · 4.625%
HK$75,722
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,860/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,567
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,793
−HK$2,261/mo
Today · 4.125%
HK$76,054
baseline
▲ 0.50% · 4.625%
HK$80,682
+HK$4,628/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,108/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,617
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,752
−HK$2,167/mo
Today · 4.125%
HK$83,919
baseline
▲ 0.50% · 4.625%
HK$88,342
+HK$4,423/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,838/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,014
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,876
−HK$2,908/mo
Today · 4.125%
HK$97,784
baseline
▲ 0.50% · 4.625%
HK$103,734
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,568/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,365
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,110
−HK$2,785/mo
Today · 4.125%
HK$107,895
baseline
▲ 0.50% · 4.625%
HK$113,583
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,790/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,769 · Scale 2, in force from 26 Feb 2026)