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$51,069
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,658
−HK$1,614/mo
Today · 4.125%
HK$54,272
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,544/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,814
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,338
−HK$1,546/mo
Today · 4.125%
HK$59,884
baseline
▲ 0.50% · 4.625%
HK$63,040
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,768/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,283
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,189
−HK$1,937/mo
Today · 4.125%
HK$65,126
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,963/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,252/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$1,855/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$75,648
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,497
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,721
−HK$2,260/mo
Today · 4.125%
HK$75,981
baseline
▲ 0.50% · 4.625%
HK$80,604
+HK$4,623/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,962/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,540
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,673
−HK$2,164/mo
Today · 4.125%
HK$83,837
baseline
▲ 0.50% · 4.625%
HK$88,256
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,674/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,925
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,784
−HK$2,905/mo
Today · 4.125%
HK$97,689
baseline
▲ 0.50% · 4.625%
HK$103,633
+HK$5,944/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,378/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,265
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,008
−HK$2,783/mo
Today · 4.125%
HK$107,791
baseline
▲ 0.50% · 4.625%
HK$113,472
+HK$5,681/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,582/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,844 · Scale 2, in force from 26 Feb 2026)