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$51,241
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,835
−HK$1,619/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,768
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,005
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,534
−HK$1,551/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,252
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,402
−HK$1,943/mo
Today · 4.125%
HK$65,345
baseline
▲ 0.50% · 4.625%
HK$69,321
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,690/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,406
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,241
−HK$1,861/mo
Today · 4.125%
HK$72,102
baseline
▲ 0.50% · 4.625%
HK$75,903
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,204/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,738
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,969
−HK$2,267/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,875
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,807
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,948
−HK$2,171/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$88,553
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,234
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,103
−HK$2,915/mo
Today · 4.125%
HK$98,018
baseline
▲ 0.50% · 4.625%
HK$103,982
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,036/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,610
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,362
−HK$2,791/mo
Today · 4.125%
HK$108,153
baseline
▲ 0.50% · 4.625%
HK$113,854
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,306/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,047 · Scale 2, in force from 26 Feb 2026)