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$51,143
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,734
−HK$1,616/mo
Today · 4.125%
HK$54,350
baseline
▲ 0.50% · 4.625%
HK$57,657
+HK$3,307/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,700/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,896
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,422
−HK$1,548/mo
Today · 4.125%
HK$59,970
baseline
▲ 0.50% · 4.625%
HK$63,131
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,940/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,371
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,280
−HK$1,940/mo
Today · 4.125%
HK$65,220
baseline
▲ 0.50% · 4.625%
HK$69,188
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,440/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,275
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,106
−HK$1,858/mo
Today · 4.125%
HK$71,964
baseline
▲ 0.50% · 4.625%
HK$75,757
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,928/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,600
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,827
−HK$2,263/mo
Today · 4.125%
HK$76,090
baseline
▲ 0.50% · 4.625%
HK$80,720
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,180/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,654
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,790
−HK$2,168/mo
Today · 4.125%
HK$83,958
baseline
▲ 0.50% · 4.625%
HK$88,383
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,916/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,057
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,921
−HK$2,909/mo
Today · 4.125%
HK$97,830
baseline
▲ 0.50% · 4.625%
HK$103,783
+HK$5,953/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,660/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,413
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,159
−HK$2,787/mo
Today · 4.125%
HK$107,946
baseline
▲ 0.50% · 4.625%
HK$113,636
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,892/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,213 · Scale 2, in force from 26 Feb 2026)