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$51,235
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,828
−HK$1,619/mo
Today · 4.125%
HK$54,447
baseline
▲ 0.50% · 4.625%
HK$57,760
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,894/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,998
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,550/mo
Today · 4.125%
HK$60,077
baseline
▲ 0.50% · 4.625%
HK$63,244
+HK$3,167/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,154/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,481
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,394
−HK$1,943/mo
Today · 4.125%
HK$65,337
baseline
▲ 0.50% · 4.625%
HK$69,312
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,674/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,397
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,232
−HK$1,861/mo
Today · 4.125%
HK$72,093
baseline
▲ 0.50% · 4.625%
HK$75,893
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,186/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,959
−HK$2,267/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,865
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,452/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,797
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,171/mo
Today · 4.125%
HK$84,108
baseline
▲ 0.50% · 4.625%
HK$88,542
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,216/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,222
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,091
−HK$2,914/mo
Today · 4.125%
HK$98,005
baseline
▲ 0.50% · 4.625%
HK$103,969
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,010/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,596
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,348
−HK$2,791/mo
Today · 4.125%
HK$108,139
baseline
▲ 0.50% · 4.625%
HK$113,839
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,278/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,923 · Scale 2, in force from 26 Feb 2026)