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$51,236
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,830
−HK$1,619/mo
Today · 4.125%
HK$54,449
baseline
▲ 0.50% · 4.625%
HK$57,762
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,898/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,000
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,528
−HK$1,551/mo
Today · 4.125%
HK$60,079
baseline
▲ 0.50% · 4.625%
HK$63,246
+HK$3,167/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,158/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,483
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,396
−HK$1,943/mo
Today · 4.125%
HK$65,339
baseline
▲ 0.50% · 4.625%
HK$69,314
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,678/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,399
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,234
−HK$1,861/mo
Today · 4.125%
HK$72,095
baseline
▲ 0.50% · 4.625%
HK$75,895
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,190/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,730
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,962
−HK$2,267/mo
Today · 4.125%
HK$76,229
baseline
▲ 0.50% · 4.625%
HK$80,867
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,458/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,799
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,940
−HK$2,171/mo
Today · 4.125%
HK$84,111
baseline
▲ 0.50% · 4.625%
HK$88,544
+HK$4,433/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,222/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,225
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,094
−HK$2,914/mo
Today · 4.125%
HK$98,008
baseline
▲ 0.50% · 4.625%
HK$103,972
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,016/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,599
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,351
−HK$2,791/mo
Today · 4.125%
HK$108,142
baseline
▲ 0.50% · 4.625%
HK$113,843
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,284/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,951 · Scale 2, in force from 26 Feb 2026)