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$51,065
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,653
−HK$1,614/mo
Today · 4.125%
HK$54,267
baseline
▲ 0.50% · 4.625%
HK$57,569
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,534/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,809
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,333
−HK$1,546/mo
Today · 4.125%
HK$59,879
baseline
▲ 0.50% · 4.625%
HK$63,035
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,758/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,278
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,184
−HK$1,937/mo
Today · 4.125%
HK$65,121
baseline
▲ 0.50% · 4.625%
HK$69,083
+HK$3,962/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,242/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,171
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,000
−HK$1,854/mo
Today · 4.125%
HK$71,854
baseline
▲ 0.50% · 4.625%
HK$75,642
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,708/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,491
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,715
−HK$2,259/mo
Today · 4.125%
HK$75,974
baseline
▲ 0.50% · 4.625%
HK$80,597
+HK$4,623/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,948/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,533
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,666
−HK$2,164/mo
Today · 4.125%
HK$83,830
baseline
▲ 0.50% · 4.625%
HK$88,249
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,660/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,917
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,776
−HK$2,905/mo
Today · 4.125%
HK$97,681
baseline
▲ 0.50% · 4.625%
HK$103,625
+HK$5,944/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,362/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,257
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,999
−HK$2,782/mo
Today · 4.125%
HK$107,781
baseline
▲ 0.50% · 4.625%
HK$113,463
+HK$5,682/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,763 · Scale 2, in force from 26 Feb 2026)