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$51,250
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,844
−HK$1,620/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,778
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,015
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,544
−HK$1,551/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,263
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,500
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,944/mo
Today · 4.125%
HK$65,357
baseline
▲ 0.50% · 4.625%
HK$69,333
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,714/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,418
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,253
−HK$1,862/mo
Today · 4.125%
HK$72,115
baseline
▲ 0.50% · 4.625%
HK$75,916
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,230/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,750
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,982
−HK$2,267/mo
Today · 4.125%
HK$76,249
baseline
▲ 0.50% · 4.625%
HK$80,889
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,498/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,821
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,962
−HK$2,172/mo
Today · 4.125%
HK$84,134
baseline
▲ 0.50% · 4.625%
HK$88,568
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,268/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,250
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,119
−HK$2,916/mo
Today · 4.125%
HK$98,035
baseline
▲ 0.50% · 4.625%
HK$104,000
+HK$5,965/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,070/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,627
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,380
−HK$2,792/mo
Today · 4.125%
HK$108,172
baseline
▲ 0.50% · 4.625%
HK$113,874
+HK$5,702/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,344/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,211 · Scale 2, in force from 26 Feb 2026)