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$51,174
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,766
−HK$1,617/mo
Today · 4.125%
HK$54,383
baseline
▲ 0.50% · 4.625%
HK$57,692
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,766/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,549/mo
Today · 4.125%
HK$60,007
baseline
▲ 0.50% · 4.625%
HK$63,170
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,014/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,409
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,319
−HK$1,941/mo
Today · 4.125%
HK$65,260
baseline
▲ 0.50% · 4.625%
HK$69,231
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,520/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,317
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,149
−HK$1,859/mo
Today · 4.125%
HK$72,008
baseline
▲ 0.50% · 4.625%
HK$75,804
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,016/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,644
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,872
−HK$2,265/mo
Today · 4.125%
HK$76,137
baseline
▲ 0.50% · 4.625%
HK$80,769
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,274/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,703
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,841
−HK$2,168/mo
Today · 4.125%
HK$84,009
baseline
▲ 0.50% · 4.625%
HK$88,437
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,018/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,114
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,979
−HK$2,911/mo
Today · 4.125%
HK$97,890
baseline
▲ 0.50% · 4.625%
HK$103,846
+HK$5,956/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,780/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,475
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,224
−HK$2,788/mo
Today · 4.125%
HK$108,012
baseline
▲ 0.50% · 4.625%
HK$113,705
+HK$5,693/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,024/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,798 · Scale 2, in force from 26 Feb 2026)