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$51,105
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,694
−HK$1,616/mo
Today · 4.125%
HK$54,310
baseline
▲ 0.50% · 4.625%
HK$57,614
+HK$3,304/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,620/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,854
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,378
−HK$1,547/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,084
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,326
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,233
−HK$1,938/mo
Today · 4.125%
HK$65,171
baseline
▲ 0.50% · 4.625%
HK$69,137
+HK$3,966/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$130,342/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$1,856/mo
Today · 4.125%
HK$71,910
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$3,791/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$143,820/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,547
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,772
−HK$2,261/mo
Today · 4.125%
HK$76,033
baseline
▲ 0.50% · 4.625%
HK$80,660
+HK$4,627/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,066/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,595
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,730
−HK$2,165/mo
Today · 4.125%
HK$83,895
baseline
▲ 0.50% · 4.625%
HK$88,318
+HK$4,423/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,790/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,989
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,850
−HK$2,907/mo
Today · 4.125%
HK$97,757
baseline
▲ 0.50% · 4.625%
HK$103,705
+HK$5,948/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,514/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,336
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,081
−HK$2,784/mo
Today · 4.125%
HK$107,865
baseline
▲ 0.50% · 4.625%
HK$113,551
+HK$5,686/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,730/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,505 · Scale 2, in force from 26 Feb 2026)