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$51,136
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,727
−HK$1,616/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,888
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,414
−HK$1,548/mo
Today · 4.125%
HK$59,962
baseline
▲ 0.50% · 4.625%
HK$63,123
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,924/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,272
−HK$1,939/mo
Today · 4.125%
HK$65,211
baseline
▲ 0.50% · 4.625%
HK$69,179
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,422/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,266
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,097
−HK$1,857/mo
Today · 4.125%
HK$71,954
baseline
▲ 0.50% · 4.625%
HK$75,747
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,908/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,591
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,817
−HK$2,263/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,709
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,644
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,780
−HK$2,167/mo
Today · 4.125%
HK$83,947
baseline
▲ 0.50% · 4.625%
HK$88,372
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,894/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,045
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,908
−HK$2,909/mo
Today · 4.125%
HK$97,817
baseline
▲ 0.50% · 4.625%
HK$103,769
+HK$5,952/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,634/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,399
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,146
−HK$2,786/mo
Today · 4.125%
HK$107,932
baseline
▲ 0.50% · 4.625%
HK$113,621
+HK$5,689/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,864/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,089 · Scale 2, in force from 26 Feb 2026)