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$51,217
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,810
−HK$1,619/mo
Today · 4.125%
HK$54,429
baseline
▲ 0.50% · 4.625%
HK$57,741
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,858/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,551/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,222
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,460
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,942/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$69,289
+HK$3,975/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,374
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$1,860/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$75,867
+HK$3,799/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,704
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,934
−HK$2,266/mo
Today · 4.125%
HK$76,200
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,637/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,400/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,770
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,909
−HK$2,170/mo
Today · 4.125%
HK$84,079
baseline
▲ 0.50% · 4.625%
HK$88,511
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,158/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,191
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,058
−HK$2,914/mo
Today · 4.125%
HK$97,972
baseline
▲ 0.50% · 4.625%
HK$103,933
+HK$5,961/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,944/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,561
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,312
−HK$2,790/mo
Today · 4.125%
HK$108,102
baseline
▲ 0.50% · 4.625%
HK$113,800
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,204/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,595 · Scale 2, in force from 26 Feb 2026)