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$51,184
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,776
−HK$1,618/mo
Today · 4.125%
HK$54,394
baseline
▲ 0.50% · 4.625%
HK$57,703
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,788/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,942
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,469
−HK$1,549/mo
Today · 4.125%
HK$60,018
baseline
▲ 0.50% · 4.625%
HK$63,182
+HK$3,164/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,036/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,421
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,331
−HK$1,941/mo
Today · 4.125%
HK$65,272
baseline
▲ 0.50% · 4.625%
HK$69,244
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,544/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,330
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,163
−HK$1,859/mo
Today · 4.125%
HK$72,022
baseline
▲ 0.50% · 4.625%
HK$75,818
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,044/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,658
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,887
−HK$2,264/mo
Today · 4.125%
HK$76,151
baseline
▲ 0.50% · 4.625%
HK$80,785
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,302/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,718
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,856
−HK$2,169/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$88,454
+HK$4,429/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,131
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$94,997
−HK$2,912/mo
Today · 4.125%
HK$97,909
baseline
▲ 0.50% · 4.625%
HK$103,866
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,818/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,495
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,244
−HK$2,789/mo
Today · 4.125%
HK$108,033
baseline
▲ 0.50% · 4.625%
HK$113,727
+HK$5,694/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,066/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,982 · Scale 2, in force from 26 Feb 2026)