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$51,229
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,822
−HK$1,619/mo
Today · 4.125%
HK$54,441
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,882/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,992
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,520
−HK$1,551/mo
Today · 4.125%
HK$60,071
baseline
▲ 0.50% · 4.625%
HK$63,237
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,142/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,475
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,387
−HK$1,943/mo
Today · 4.125%
HK$65,330
baseline
▲ 0.50% · 4.625%
HK$69,305
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,660/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,390
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,224
−HK$1,861/mo
Today · 4.125%
HK$72,085
baseline
▲ 0.50% · 4.625%
HK$75,885
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,170/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,721
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,951
−HK$2,267/mo
Today · 4.125%
HK$76,218
baseline
▲ 0.50% · 4.625%
HK$80,856
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,436/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,788
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,928
−HK$2,171/mo
Today · 4.125%
HK$84,099
baseline
▲ 0.50% · 4.625%
HK$88,532
+HK$4,433/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,198/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,212
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,080
−HK$2,915/mo
Today · 4.125%
HK$97,995
baseline
▲ 0.50% · 4.625%
HK$103,957
+HK$5,962/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,990/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,585
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,336
−HK$2,791/mo
Today · 4.125%
HK$108,127
baseline
▲ 0.50% · 4.625%
HK$113,827
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,254/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,818 · Scale 2, in force from 26 Feb 2026)