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$51,221
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,815
−HK$1,618/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,746
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,512
−HK$1,550/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,228
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,466
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,942/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$69,295
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,380
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$1,860/mo
Today · 4.125%
HK$72,074
baseline
▲ 0.50% · 4.625%
HK$75,873
+HK$3,799/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,148/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,710
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,941
−HK$2,266/mo
Today · 4.125%
HK$76,207
baseline
▲ 0.50% · 4.625%
HK$80,844
+HK$4,637/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,414/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,777
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,916
−HK$2,171/mo
Today · 4.125%
HK$84,087
baseline
▲ 0.50% · 4.625%
HK$88,519
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,174/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,199
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,066
−HK$2,914/mo
Today · 4.125%
HK$97,980
baseline
▲ 0.50% · 4.625%
HK$103,942
+HK$5,962/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,960/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,570
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$105,321
−HK$2,791/mo
Today · 4.125%
HK$108,112
baseline
▲ 0.50% · 4.625%
HK$113,810
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,224/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,678 · Scale 2, in force from 26 Feb 2026)