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$51,092
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,682
−HK$1,614/mo
Today · 4.125%
HK$54,296
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$3,304/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,592/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,840
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,364
−HK$1,547/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,069
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,311
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,218
−HK$1,938/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,208
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$1,856/mo
Today · 4.125%
HK$71,893
baseline
▲ 0.50% · 4.625%
HK$75,682
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,786/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,529
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,754
−HK$2,261/mo
Today · 4.125%
HK$76,015
baseline
▲ 0.50% · 4.625%
HK$80,640
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,030/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,576
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,710
−HK$2,165/mo
Today · 4.125%
HK$83,875
baseline
▲ 0.50% · 4.625%
HK$88,296
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,750/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,966
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,827
−HK$2,907/mo
Today · 4.125%
HK$97,734
baseline
▲ 0.50% · 4.625%
HK$103,680
+HK$5,946/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,468/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,312
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,056
−HK$2,783/mo
Today · 4.125%
HK$107,839
baseline
▲ 0.50% · 4.625%
HK$113,524
+HK$5,685/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,678/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,275 · Scale 2, in force from 26 Feb 2026)