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$51,092
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,681
−HK$1,615/mo
Today · 4.125%
HK$54,296
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$3,304/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,592/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,839
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,364
−HK$1,546/mo
Today · 4.125%
HK$59,910
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,820/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,310
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,217
−HK$1,938/mo
Today · 4.125%
HK$65,155
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,310/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$1,856/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$75,682
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,529
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,754
−HK$2,260/mo
Today · 4.125%
HK$76,014
baseline
▲ 0.50% · 4.625%
HK$80,639
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,028/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,575
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,709
−HK$2,165/mo
Today · 4.125%
HK$83,874
baseline
▲ 0.50% · 4.625%
HK$88,295
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,748/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,965
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,826
−HK$2,906/mo
Today · 4.125%
HK$97,732
baseline
▲ 0.50% · 4.625%
HK$103,679
+HK$5,947/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,464/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,311
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,055
−HK$2,783/mo
Today · 4.125%
HK$107,838
baseline
▲ 0.50% · 4.625%
HK$113,522
+HK$5,684/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,676/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,265 · Scale 2, in force from 26 Feb 2026)