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$51,114
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,615/mo
Today · 4.125%
HK$54,319
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,638/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,548/mo
Today · 4.125%
HK$59,936
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,872/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,336
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,244
−HK$1,939/mo
Today · 4.125%
HK$65,183
baseline
▲ 0.50% · 4.625%
HK$69,149
+HK$3,966/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,366/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,236
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,066
−HK$1,857/mo
Today · 4.125%
HK$71,923
baseline
▲ 0.50% · 4.625%
HK$75,714
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,846/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,559
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,785
−HK$2,262/mo
Today · 4.125%
HK$76,047
baseline
▲ 0.50% · 4.625%
HK$80,674
+HK$4,627/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,094/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,609
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,166/mo
Today · 4.125%
HK$83,910
baseline
▲ 0.50% · 4.625%
HK$88,333
+HK$4,423/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,820/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,005
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,866
−HK$2,908/mo
Today · 4.125%
HK$97,774
baseline
▲ 0.50% · 4.625%
HK$103,723
+HK$5,949/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,548/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,354
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,099
−HK$2,785/mo
Today · 4.125%
HK$107,884
baseline
▲ 0.50% · 4.625%
HK$113,571
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,768/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,670 · Scale 2, in force from 26 Feb 2026)