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$51,123
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,713
−HK$1,616/mo
Today · 4.125%
HK$54,329
baseline
▲ 0.50% · 4.625%
HK$57,634
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,658/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,874
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,399
−HK$1,547/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,106
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,256
−HK$1,938/mo
Today · 4.125%
HK$65,194
baseline
▲ 0.50% · 4.625%
HK$69,161
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,388/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,248
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,079
−HK$1,857/mo
Today · 4.125%
HK$71,936
baseline
▲ 0.50% · 4.625%
HK$75,727
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,872/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,572
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$2,262/mo
Today · 4.125%
HK$76,060
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,628/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,120/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,623
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,166/mo
Today · 4.125%
HK$83,925
baseline
▲ 0.50% · 4.625%
HK$88,349
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,850/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,021
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,884
−HK$2,908/mo
Today · 4.125%
HK$97,792
baseline
▲ 0.50% · 4.625%
HK$103,742
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,584/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,373
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,118
−HK$2,785/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$113,591
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,841 · Scale 2, in force from 26 Feb 2026)