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$51,156
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,748
−HK$1,616/mo
Today · 4.125%
HK$54,364
baseline
▲ 0.50% · 4.625%
HK$57,672
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,728/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,911
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,437
−HK$1,549/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,388
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,297
−HK$1,940/mo
Today · 4.125%
HK$65,237
baseline
▲ 0.50% · 4.625%
HK$69,207
+HK$3,970/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,474/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,293
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,125
−HK$1,858/mo
Today · 4.125%
HK$71,983
baseline
▲ 0.50% · 4.625%
HK$75,777
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,966/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,619
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,847
−HK$2,263/mo
Today · 4.125%
HK$76,110
baseline
▲ 0.50% · 4.625%
HK$80,741
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,220/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,675
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,812
−HK$2,168/mo
Today · 4.125%
HK$83,980
baseline
▲ 0.50% · 4.625%
HK$88,407
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,960/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,081
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,946
−HK$2,910/mo
Today · 4.125%
HK$97,856
baseline
▲ 0.50% · 4.625%
HK$103,810
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,712/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,440
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,187
−HK$2,787/mo
Today · 4.125%
HK$107,974
baseline
▲ 0.50% · 4.625%
HK$113,666
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,948/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,466 · Scale 2, in force from 26 Feb 2026)