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$51,262
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,856
−HK$1,620/mo
Today · 4.125%
HK$54,476
baseline
▲ 0.50% · 4.625%
HK$57,791
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,952/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,028
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,552/mo
Today · 4.125%
HK$60,109
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,218/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,514
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,427
−HK$1,944/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$69,349
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,434
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,269
−HK$1,862/mo
Today · 4.125%
HK$72,131
baseline
▲ 0.50% · 4.625%
HK$75,933
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,262/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,766
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$73,999
−HK$2,268/mo
Today · 4.125%
HK$76,267
baseline
▲ 0.50% · 4.625%
HK$80,907
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,534/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,839
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,980
−HK$2,173/mo
Today · 4.125%
HK$84,153
baseline
▲ 0.50% · 4.625%
HK$88,588
+HK$4,435/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,306/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,271
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,141
−HK$2,916/mo
Today · 4.125%
HK$98,057
baseline
▲ 0.50% · 4.625%
HK$104,024
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,114/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,650
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,403
−HK$2,793/mo
Today · 4.125%
HK$108,196
baseline
▲ 0.50% · 4.625%
HK$113,899
+HK$5,703/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,392/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,427 · Scale 2, in force from 26 Feb 2026)