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$51,235
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,829
−HK$1,619/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,761
+HK$3,313/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,551/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,245
+HK$3,167/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,482
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,395
−HK$1,943/mo
Today · 4.125%
HK$65,338
baseline
▲ 0.50% · 4.625%
HK$69,313
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,676/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,398
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,233
−HK$1,861/mo
Today · 4.125%
HK$72,094
baseline
▲ 0.50% · 4.625%
HK$75,894
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,188/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,729
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,960
−HK$2,267/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,865
+HK$4,638/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,798
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,938
−HK$2,171/mo
Today · 4.125%
HK$84,109
baseline
▲ 0.50% · 4.625%
HK$88,543
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,218/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,223
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,092
−HK$2,914/mo
Today · 4.125%
HK$98,006
baseline
▲ 0.50% · 4.625%
HK$103,970
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,012/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,597
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,349
−HK$2,791/mo
Today · 4.125%
HK$108,140
baseline
▲ 0.50% · 4.625%
HK$113,841
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,280/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,933 · Scale 2, in force from 26 Feb 2026)