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$51,154
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,617/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,908
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,435
−HK$1,548/mo
Today · 4.125%
HK$59,983
baseline
▲ 0.50% · 4.625%
HK$63,145
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,966/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,385
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,294
−HK$1,940/mo
Today · 4.125%
HK$65,234
baseline
▲ 0.50% · 4.625%
HK$69,204
+HK$3,970/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,468/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,290
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,122
−HK$1,858/mo
Today · 4.125%
HK$71,980
baseline
▲ 0.50% · 4.625%
HK$75,774
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,960/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$2,264/mo
Today · 4.125%
HK$76,107
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,214/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,672
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,167/mo
Today · 4.125%
HK$83,976
baseline
▲ 0.50% · 4.625%
HK$88,403
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,952/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,077
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,941
−HK$2,910/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,805
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,435
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,182
−HK$2,787/mo
Today · 4.125%
HK$107,969
baseline
▲ 0.50% · 4.625%
HK$113,661
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,938/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,423 · Scale 2, in force from 26 Feb 2026)