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$51,263
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,792
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,559
−HK$1,552/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,279
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,516
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,429
−HK$1,944/mo
Today · 4.125%
HK$65,373
baseline
▲ 0.50% · 4.625%
HK$69,351
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,746/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,435
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,271
−HK$1,862/mo
Today · 4.125%
HK$72,133
baseline
▲ 0.50% · 4.625%
HK$75,935
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,266/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,768
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,001
−HK$2,268/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,909
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,841
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,983
−HK$2,172/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$88,591
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,273
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,144
−HK$2,916/mo
Today · 4.125%
HK$98,060
baseline
▲ 0.50% · 4.625%
HK$104,026
+HK$5,966/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,120/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,653
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,406
−HK$2,793/mo
Today · 4.125%
HK$108,199
baseline
▲ 0.50% · 4.625%
HK$113,903
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,398/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,453 · Scale 2, in force from 26 Feb 2026)