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$51,081
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,670
−HK$1,614/mo
Today · 4.125%
HK$54,284
baseline
▲ 0.50% · 4.625%
HK$57,587
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,568/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,827
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,351
−HK$1,546/mo
Today · 4.125%
HK$59,897
baseline
▲ 0.50% · 4.625%
HK$63,055
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,794/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,297
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,204
−HK$1,937/mo
Today · 4.125%
HK$65,141
baseline
▲ 0.50% · 4.625%
HK$69,105
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,282/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,193
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,021
−HK$1,856/mo
Today · 4.125%
HK$71,877
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,754/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,738
−HK$2,260/mo
Today · 4.125%
HK$75,998
baseline
▲ 0.50% · 4.625%
HK$80,622
+HK$4,624/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,996/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,558
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,692
−HK$2,164/mo
Today · 4.125%
HK$83,856
baseline
▲ 0.50% · 4.625%
HK$88,277
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,712/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,946
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,806
−HK$2,906/mo
Today · 4.125%
HK$97,712
baseline
▲ 0.50% · 4.625%
HK$103,657
+HK$5,945/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,424/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,289
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,032
−HK$2,783/mo
Today · 4.125%
HK$107,815
baseline
▲ 0.50% · 4.625%
HK$113,498
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,630/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,062 · Scale 2, in force from 26 Feb 2026)