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$51,171
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,763
−HK$1,617/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,689
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,927
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,454
−HK$1,549/mo
Today · 4.125%
HK$60,003
baseline
▲ 0.50% · 4.625%
HK$63,166
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,006/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,405
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,315
−HK$1,941/mo
Today · 4.125%
HK$65,256
baseline
▲ 0.50% · 4.625%
HK$69,227
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$130,512/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,313
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,145
−HK$1,858/mo
Today · 4.125%
HK$72,003
baseline
▲ 0.50% · 4.625%
HK$75,799
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$144,006/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,639
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,868
−HK$2,264/mo
Today · 4.125%
HK$76,132
baseline
▲ 0.50% · 4.625%
HK$80,764
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,264/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,698
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,836
−HK$2,168/mo
Today · 4.125%
HK$84,004
baseline
▲ 0.50% · 4.625%
HK$88,432
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,008/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,108
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,973
−HK$2,911/mo
Today · 4.125%
HK$97,884
baseline
▲ 0.50% · 4.625%
HK$103,840
+HK$5,956/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,768/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,469
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,217
−HK$2,788/mo
Today · 4.125%
HK$108,005
baseline
▲ 0.50% · 4.625%
HK$113,698
+HK$5,693/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,010/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,739 · Scale 2, in force from 26 Feb 2026)