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$51,126
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,716
−HK$1,616/mo
Today · 4.125%
HK$54,332
baseline
▲ 0.50% · 4.625%
HK$57,638
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,664/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,402
−HK$1,548/mo
Today · 4.125%
HK$59,950
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,900/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,351
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,259
−HK$1,939/mo
Today · 4.125%
HK$65,198
baseline
▲ 0.50% · 4.625%
HK$69,165
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,396/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,252
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,083
−HK$1,857/mo
Today · 4.125%
HK$71,940
baseline
▲ 0.50% · 4.625%
HK$75,732
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,880/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,576
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,802
−HK$2,262/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,693
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,627
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,763
−HK$2,167/mo
Today · 4.125%
HK$83,930
baseline
▲ 0.50% · 4.625%
HK$88,354
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,860/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,026
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,889
−HK$2,908/mo
Today · 4.125%
HK$97,797
baseline
▲ 0.50% · 4.625%
HK$103,748
+HK$5,951/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,594/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,378
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,124
−HK$2,785/mo
Today · 4.125%
HK$107,909
baseline
▲ 0.50% · 4.625%
HK$113,597
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,818/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,894 · Scale 2, in force from 26 Feb 2026)