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$51,212
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,805
−HK$1,618/mo
Today · 4.125%
HK$54,423
baseline
▲ 0.50% · 4.625%
HK$57,735
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,846/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,973
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,501
−HK$1,550/mo
Today · 4.125%
HK$60,051
baseline
▲ 0.50% · 4.625%
HK$63,216
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,102/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,454
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,942/mo
Today · 4.125%
HK$65,308
baseline
▲ 0.50% · 4.625%
HK$69,282
+HK$3,974/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$130,616/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,201
−HK$1,860/mo
Today · 4.125%
HK$72,061
baseline
▲ 0.50% · 4.625%
HK$75,859
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$144,122/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,697
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,927
−HK$2,266/mo
Today · 4.125%
HK$76,193
baseline
▲ 0.50% · 4.625%
HK$80,829
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,386/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,762
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,901
−HK$2,170/mo
Today · 4.125%
HK$84,071
baseline
▲ 0.50% · 4.625%
HK$88,503
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,142/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,182
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,049
−HK$2,913/mo
Today · 4.125%
HK$97,962
baseline
▲ 0.50% · 4.625%
HK$103,923
+HK$5,961/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,924/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,551
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,301
−HK$2,791/mo
Today · 4.125%
HK$108,092
baseline
▲ 0.50% · 4.625%
HK$113,789
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,184/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,502 · Scale 2, in force from 26 Feb 2026)