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$51,110
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,699
−HK$1,616/mo
Today · 4.125%
HK$54,315
baseline
▲ 0.50% · 4.625%
HK$57,620
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,630/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,859
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,384
−HK$1,547/mo
Today · 4.125%
HK$59,931
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,862/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,332
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,239
−HK$1,939/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,966/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,231
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,061
−HK$1,856/mo
Today · 4.125%
HK$71,917
baseline
▲ 0.50% · 4.625%
HK$75,708
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,834/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,554
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,779
−HK$2,262/mo
Today · 4.125%
HK$76,041
baseline
▲ 0.50% · 4.625%
HK$80,667
+HK$4,626/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,082/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,603
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,737
−HK$2,166/mo
Today · 4.125%
HK$83,903
baseline
▲ 0.50% · 4.625%
HK$88,326
+HK$4,423/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,806/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,997
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,859
−HK$2,907/mo
Today · 4.125%
HK$97,766
baseline
▲ 0.50% · 4.625%
HK$103,715
+HK$5,949/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,532/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,346
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,091
−HK$2,785/mo
Today · 4.125%
HK$107,876
baseline
▲ 0.50% · 4.625%
HK$113,562
+HK$5,686/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,752/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,595 · Scale 2, in force from 26 Feb 2026)