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$51,169
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,617/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,686
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,925
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,549/mo
Today · 4.125%
HK$60,000
baseline
▲ 0.50% · 4.625%
HK$63,163
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,000/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,402
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,312
−HK$1,941/mo
Today · 4.125%
HK$65,253
baseline
▲ 0.50% · 4.625%
HK$69,223
+HK$3,970/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$130,506/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,310
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,142
−HK$1,858/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$75,795
+HK$3,795/mo
Deposit HK$8.98M · loan HK$13.46M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,636
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,864
−HK$2,264/mo
Today · 4.125%
HK$76,128
baseline
▲ 0.50% · 4.625%
HK$80,761
+HK$4,633/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,256/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,695
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,832
−HK$2,168/mo
Today · 4.125%
HK$84,000
baseline
▲ 0.50% · 4.625%
HK$88,428
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,000/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,104
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,969
−HK$2,910/mo
Today · 4.125%
HK$97,879
baseline
▲ 0.50% · 4.625%
HK$103,835
+HK$5,956/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,758/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,464
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,212
−HK$2,788/mo
Today · 4.125%
HK$108,000
baseline
▲ 0.50% · 4.625%
HK$113,693
+HK$5,693/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,000/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,696 · Scale 2, in force from 26 Feb 2026)