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$51,062
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,651
−HK$1,613/mo
Today · 4.125%
HK$54,264
baseline
▲ 0.50% · 4.625%
HK$57,566
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,528/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,806
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,330
−HK$1,545/mo
Today · 4.125%
HK$59,875
baseline
▲ 0.50% · 4.625%
HK$63,032
+HK$3,157/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,750/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,275
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,181
−HK$1,936/mo
Today · 4.125%
HK$65,117
baseline
▲ 0.50% · 4.625%
HK$69,080
+HK$3,963/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,234/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,168
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,996
−HK$1,855/mo
Today · 4.125%
HK$71,851
baseline
▲ 0.50% · 4.625%
HK$75,638
+HK$3,787/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,702/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,487
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,711
−HK$2,259/mo
Today · 4.125%
HK$75,970
baseline
▲ 0.50% · 4.625%
HK$80,593
+HK$4,623/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,940/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,529
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,662
−HK$2,164/mo
Today · 4.125%
HK$83,826
baseline
▲ 0.50% · 4.625%
HK$88,244
+HK$4,418/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,652/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,912
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,771
−HK$2,905/mo
Today · 4.125%
HK$97,676
baseline
▲ 0.50% · 4.625%
HK$103,619
+HK$5,943/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,352/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,251
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$104,994
−HK$2,782/mo
Today · 4.125%
HK$107,776
baseline
▲ 0.50% · 4.625%
HK$113,457
+HK$5,681/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,552/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,714 · Scale 2, in force from 26 Feb 2026)