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$51,238
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,831
−HK$1,620/mo
Today · 4.125%
HK$54,451
baseline
▲ 0.50% · 4.625%
HK$57,764
+HK$3,313/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,902/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,001
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,530
−HK$1,551/mo
Today · 4.125%
HK$60,081
baseline
▲ 0.50% · 4.625%
HK$63,248
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,162/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,398
−HK$1,943/mo
Today · 4.125%
HK$65,341
baseline
▲ 0.50% · 4.625%
HK$69,317
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,682/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,236
−HK$1,861/mo
Today · 4.125%
HK$72,097
baseline
▲ 0.50% · 4.625%
HK$75,898
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,194/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,964
−HK$2,267/mo
Today · 4.125%
HK$76,231
baseline
▲ 0.50% · 4.625%
HK$80,869
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,462/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,802
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,942
−HK$2,171/mo
Today · 4.125%
HK$84,113
baseline
▲ 0.50% · 4.625%
HK$88,547
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,226/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,228
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,097
−HK$2,914/mo
Today · 4.125%
HK$98,011
baseline
▲ 0.50% · 4.625%
HK$103,975
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,022/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,603
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,354
−HK$2,792/mo
Today · 4.125%
HK$108,146
baseline
▲ 0.50% · 4.625%
HK$113,846
+HK$5,700/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,292/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,981 · Scale 2, in force from 26 Feb 2026)