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$51,144
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,735
−HK$1,616/mo
Today · 4.125%
HK$54,351
baseline
▲ 0.50% · 4.625%
HK$57,658
+HK$3,307/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,702/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,897
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,423
−HK$1,548/mo
Today · 4.125%
HK$59,971
baseline
▲ 0.50% · 4.625%
HK$63,132
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,942/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,372
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,281
−HK$1,940/mo
Today · 4.125%
HK$65,221
baseline
▲ 0.50% · 4.625%
HK$69,190
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,442/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,276
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,107
−HK$1,858/mo
Today · 4.125%
HK$71,965
baseline
▲ 0.50% · 4.625%
HK$75,758
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,930/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,601
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,828
−HK$2,263/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,721
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,656
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,792
−HK$2,167/mo
Today · 4.125%
HK$83,959
baseline
▲ 0.50% · 4.625%
HK$88,385
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,918/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,059
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,922
−HK$2,910/mo
Today · 4.125%
HK$97,832
baseline
▲ 0.50% · 4.625%
HK$103,784
+HK$5,952/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,664/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,414
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,161
−HK$2,787/mo
Today · 4.125%
HK$107,948
baseline
▲ 0.50% · 4.625%
HK$113,638
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,896/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,230 · Scale 2, in force from 26 Feb 2026)