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$51,181
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,617/mo
Today · 4.125%
HK$54,390
baseline
▲ 0.50% · 4.625%
HK$57,699
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,780/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,938
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,549/mo
Today · 4.125%
HK$60,014
baseline
▲ 0.50% · 4.625%
HK$63,177
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,028/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,417
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,327
−HK$1,941/mo
Today · 4.125%
HK$65,268
baseline
▲ 0.50% · 4.625%
HK$69,239
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,536/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,325
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,158
−HK$1,859/mo
Today · 4.125%
HK$72,017
baseline
▲ 0.50% · 4.625%
HK$75,813
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,034/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,653
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,882
−HK$2,264/mo
Today · 4.125%
HK$76,146
baseline
▲ 0.50% · 4.625%
HK$80,779
+HK$4,633/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,292/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,713
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,851
−HK$2,169/mo
Today · 4.125%
HK$84,020
baseline
▲ 0.50% · 4.625%
HK$88,448
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,040/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,125
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,991
−HK$2,911/mo
Today · 4.125%
HK$97,902
baseline
▲ 0.50% · 4.625%
HK$103,859
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,804/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,488
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,237
−HK$2,788/mo
Today · 4.125%
HK$108,025
baseline
▲ 0.50% · 4.625%
HK$113,719
+HK$5,694/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,050/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,916 · Scale 2, in force from 26 Feb 2026)