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$51,165
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,756
−HK$1,617/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,920
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,549/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,398
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,308
−HK$1,940/mo
Today · 4.125%
HK$65,248
baseline
▲ 0.50% · 4.625%
HK$69,218
+HK$3,970/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$130,496/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,304
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,136
−HK$1,859/mo
Today · 4.125%
HK$71,995
baseline
▲ 0.50% · 4.625%
HK$75,790
+HK$3,795/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$143,990/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,631
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,859
−HK$2,264/mo
Today · 4.125%
HK$76,123
baseline
▲ 0.50% · 4.625%
HK$80,754
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,246/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,688
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,826
−HK$2,168/mo
Today · 4.125%
HK$83,994
baseline
▲ 0.50% · 4.625%
HK$88,421
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$167,988/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,097
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,961
−HK$2,911/mo
Today · 4.125%
HK$97,872
baseline
▲ 0.50% · 4.625%
HK$103,827
+HK$5,955/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,744/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,457
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,204
−HK$2,788/mo
Today · 4.125%
HK$107,992
baseline
▲ 0.50% · 4.625%
HK$113,684
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,984/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,623 · Scale 2, in force from 26 Feb 2026)