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$51,199
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,618/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,959
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,486
−HK$1,550/mo
Today · 4.125%
HK$60,036
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,072/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,439
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,350
−HK$1,942/mo
Today · 4.125%
HK$65,292
baseline
▲ 0.50% · 4.625%
HK$69,265
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,584/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,351
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$1,859/mo
Today · 4.125%
HK$72,043
baseline
▲ 0.50% · 4.625%
HK$75,841
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,086/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,679
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,909
−HK$2,265/mo
Today · 4.125%
HK$76,174
baseline
▲ 0.50% · 4.625%
HK$80,809
+HK$4,635/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,348/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,881
−HK$2,170/mo
Today · 4.125%
HK$84,051
baseline
▲ 0.50% · 4.625%
HK$88,481
+HK$4,430/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,102/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,159
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,026
−HK$2,912/mo
Today · 4.125%
HK$97,938
baseline
▲ 0.50% · 4.625%
HK$103,898
+HK$5,960/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,876/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,526
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,276
−HK$2,789/mo
Today · 4.125%
HK$108,065
baseline
▲ 0.50% · 4.625%
HK$113,761
+HK$5,696/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,130/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,269 · Scale 2, in force from 26 Feb 2026)