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$51,206
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,799
−HK$1,618/mo
Today · 4.125%
HK$54,417
baseline
▲ 0.50% · 4.625%
HK$57,728
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,834/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,966
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,494
−HK$1,550/mo
Today · 4.125%
HK$60,044
baseline
▲ 0.50% · 4.625%
HK$63,209
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,088/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,359
−HK$1,942/mo
Today · 4.125%
HK$65,301
baseline
▲ 0.50% · 4.625%
HK$69,274
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,602/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,193
−HK$1,860/mo
Today · 4.125%
HK$72,053
baseline
▲ 0.50% · 4.625%
HK$75,851
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,106/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$2,265/mo
Today · 4.125%
HK$76,184
baseline
▲ 0.50% · 4.625%
HK$80,820
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,368/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,892
−HK$2,170/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$88,493
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,171
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,038
−HK$2,913/mo
Today · 4.125%
HK$97,951
baseline
▲ 0.50% · 4.625%
HK$103,911
+HK$5,960/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,902/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,540
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,290
−HK$2,789/mo
Today · 4.125%
HK$108,079
baseline
▲ 0.50% · 4.625%
HK$113,776
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,158/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,396 · Scale 2, in force from 26 Feb 2026)