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$51,146
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,737
−HK$1,616/mo
Today · 4.125%
HK$54,353
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$3,308/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,706/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,900
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,426
−HK$1,548/mo
Today · 4.125%
HK$59,974
baseline
▲ 0.50% · 4.625%
HK$63,135
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,948/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,375
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,284
−HK$1,940/mo
Today · 4.125%
HK$65,224
baseline
▲ 0.50% · 4.625%
HK$69,193
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,448/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,279
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$1,857/mo
Today · 4.125%
HK$71,968
baseline
▲ 0.50% · 4.625%
HK$75,762
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,936/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,605
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,832
−HK$2,263/mo
Today · 4.125%
HK$76,095
baseline
▲ 0.50% · 4.625%
HK$80,725
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,190/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,659
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,796
−HK$2,167/mo
Today · 4.125%
HK$83,963
baseline
▲ 0.50% · 4.625%
HK$88,389
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,926/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,063
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,927
−HK$2,909/mo
Today · 4.125%
HK$97,836
baseline
▲ 0.50% · 4.625%
HK$103,789
+HK$5,953/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,672/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,419
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,166
−HK$2,787/mo
Today · 4.125%
HK$107,953
baseline
▲ 0.50% · 4.625%
HK$113,643
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,906/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,275 · Scale 2, in force from 26 Feb 2026)