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$51,152
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,743
−HK$1,617/mo
Today · 4.125%
HK$54,360
baseline
▲ 0.50% · 4.625%
HK$57,668
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,720/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,906
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,548/mo
Today · 4.125%
HK$59,981
baseline
▲ 0.50% · 4.625%
HK$63,142
+HK$3,161/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,962/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,383
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,940/mo
Today · 4.125%
HK$65,232
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,464/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,288
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$1,858/mo
Today · 4.125%
HK$71,977
baseline
▲ 0.50% · 4.625%
HK$75,771
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,954/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,613
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,841
−HK$2,263/mo
Today · 4.125%
HK$76,104
baseline
▲ 0.50% · 4.625%
HK$80,735
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,208/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,669
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,806
−HK$2,167/mo
Today · 4.125%
HK$83,973
baseline
▲ 0.50% · 4.625%
HK$88,399
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,946/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,074
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,938
−HK$2,910/mo
Today · 4.125%
HK$97,848
baseline
▲ 0.50% · 4.625%
HK$103,802
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,696/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,431
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,179
−HK$2,786/mo
Today · 4.125%
HK$107,965
baseline
▲ 0.50% · 4.625%
HK$113,656
+HK$5,691/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,930/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,389 · Scale 2, in force from 26 Feb 2026)