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$51,181
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,773
−HK$1,618/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,938
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,549/mo
Today · 4.125%
HK$60,015
baseline
▲ 0.50% · 4.625%
HK$63,178
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,030/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,417
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,941/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$69,240
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,326
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,159
−HK$1,859/mo
Today · 4.125%
HK$72,018
baseline
▲ 0.50% · 4.625%
HK$75,814
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,036/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,654
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,882
−HK$2,265/mo
Today · 4.125%
HK$76,147
baseline
▲ 0.50% · 4.625%
HK$80,780
+HK$4,633/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,294/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,714
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,169/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$88,449
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,126
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,992
−HK$2,911/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,860
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,489
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,238
−HK$2,788/mo
Today · 4.125%
HK$108,026
baseline
▲ 0.50% · 4.625%
HK$113,721
+HK$5,695/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,052/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,927 · Scale 2, in force from 26 Feb 2026)