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$51,248
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,842
−HK$1,620/mo
Today · 4.125%
HK$54,462
baseline
▲ 0.50% · 4.625%
HK$57,776
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,924/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,013
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,542
−HK$1,551/mo
Today · 4.125%
HK$60,093
baseline
▲ 0.50% · 4.625%
HK$63,261
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,186/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,943/mo
Today · 4.125%
HK$65,354
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,977/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,708/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,416
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,251
−HK$1,861/mo
Today · 4.125%
HK$72,112
baseline
▲ 0.50% · 4.625%
HK$75,913
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,224/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,748
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,979
−HK$2,268/mo
Today · 4.125%
HK$76,247
baseline
▲ 0.50% · 4.625%
HK$80,886
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,494/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,818
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,959
−HK$2,172/mo
Today · 4.125%
HK$84,131
baseline
▲ 0.50% · 4.625%
HK$88,565
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,262/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,247
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,915/mo
Today · 4.125%
HK$98,031
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,965/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,062/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,624
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,376
−HK$2,792/mo
Today · 4.125%
HK$108,168
baseline
▲ 0.50% · 4.625%
HK$113,870
+HK$5,702/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,336/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,178 · Scale 2, in force from 26 Feb 2026)