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$51,212
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,805
−HK$1,618/mo
Today · 4.125%
HK$54,423
baseline
▲ 0.50% · 4.625%
HK$57,735
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,846/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,972
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,500
−HK$1,551/mo
Today · 4.125%
HK$60,051
baseline
▲ 0.50% · 4.625%
HK$63,216
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,102/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,454
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,942/mo
Today · 4.125%
HK$65,308
baseline
▲ 0.50% · 4.625%
HK$69,282
+HK$3,974/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$130,616/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,201
−HK$1,860/mo
Today · 4.125%
HK$72,061
baseline
▲ 0.50% · 4.625%
HK$75,859
+HK$3,798/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$144,122/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,696
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,927
−HK$2,265/mo
Today · 4.125%
HK$76,192
baseline
▲ 0.50% · 4.625%
HK$80,828
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,384/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,761
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,901
−HK$2,170/mo
Today · 4.125%
HK$84,071
baseline
▲ 0.50% · 4.625%
HK$88,502
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,142/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,181
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,048
−HK$2,914/mo
Today · 4.125%
HK$97,962
baseline
▲ 0.50% · 4.625%
HK$103,922
+HK$5,960/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,924/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,550
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,301
−HK$2,790/mo
Today · 4.125%
HK$108,091
baseline
▲ 0.50% · 4.625%
HK$113,789
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,182/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,497 · Scale 2, in force from 26 Feb 2026)