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$51,075
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,663
−HK$1,614/mo
Today · 4.125%
HK$54,277
baseline
▲ 0.50% · 4.625%
HK$57,580
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,554/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,344
−HK$1,546/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,047
+HK$3,157/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,290
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,196
−HK$1,937/mo
Today · 4.125%
HK$65,133
baseline
▲ 0.50% · 4.625%
HK$69,096
+HK$3,963/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,266/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,184
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,013
−HK$1,855/mo
Today · 4.125%
HK$71,868
baseline
▲ 0.50% · 4.625%
HK$75,656
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,736/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,504
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,729
−HK$2,259/mo
Today · 4.125%
HK$75,988
baseline
▲ 0.50% · 4.625%
HK$80,612
+HK$4,624/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,976/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,548
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,681
−HK$2,165/mo
Today · 4.125%
HK$83,846
baseline
▲ 0.50% · 4.625%
HK$88,265
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,692/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,934
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,794
−HK$2,905/mo
Today · 4.125%
HK$97,699
baseline
▲ 0.50% · 4.625%
HK$103,644
+HK$5,945/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,398/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,276
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,019
−HK$2,783/mo
Today · 4.125%
HK$107,802
baseline
▲ 0.50% · 4.625%
HK$113,484
+HK$5,682/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,604/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,943 · Scale 2, in force from 26 Feb 2026)