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$51,155
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,747
−HK$1,616/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,671
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,910
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,436
−HK$1,549/mo
Today · 4.125%
HK$59,985
baseline
▲ 0.50% · 4.625%
HK$63,146
+HK$3,161/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,970/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,387
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,296
−HK$1,940/mo
Today · 4.125%
HK$65,236
baseline
▲ 0.50% · 4.625%
HK$69,205
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,472/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,292
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,123
−HK$1,859/mo
Today · 4.125%
HK$71,982
baseline
▲ 0.50% · 4.625%
HK$75,776
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,964/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,618
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,845
−HK$2,264/mo
Today · 4.125%
HK$76,109
baseline
▲ 0.50% · 4.625%
HK$80,740
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,218/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,674
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,811
−HK$2,167/mo
Today · 4.125%
HK$83,978
baseline
▲ 0.50% · 4.625%
HK$88,405
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,956/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,080
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,944
−HK$2,910/mo
Today · 4.125%
HK$97,854
baseline
▲ 0.50% · 4.625%
HK$103,808
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,708/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,438
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,185
−HK$2,787/mo
Today · 4.125%
HK$107,972
baseline
▲ 0.50% · 4.625%
HK$113,664
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,944/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,449 · Scale 2, in force from 26 Feb 2026)