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$51,187
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,780
−HK$1,617/mo
Today · 4.125%
HK$54,397
baseline
▲ 0.50% · 4.625%
HK$57,707
+HK$3,310/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,794/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,945
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,473
−HK$1,549/mo
Today · 4.125%
HK$60,022
baseline
▲ 0.50% · 4.625%
HK$63,186
+HK$3,164/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,044/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,425
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,336
−HK$1,941/mo
Today · 4.125%
HK$65,277
baseline
▲ 0.50% · 4.625%
HK$69,249
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,554/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,335
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,167
−HK$1,859/mo
Today · 4.125%
HK$72,026
baseline
▲ 0.50% · 4.625%
HK$75,823
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,052/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,662
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,891
−HK$2,265/mo
Today · 4.125%
HK$76,156
baseline
▲ 0.50% · 4.625%
HK$80,790
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,312/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,724
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,862
−HK$2,169/mo
Today · 4.125%
HK$84,031
baseline
▲ 0.50% · 4.625%
HK$88,460
+HK$4,429/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,062/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,137
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,003
−HK$2,912/mo
Today · 4.125%
HK$97,915
baseline
▲ 0.50% · 4.625%
HK$103,873
+HK$5,958/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,830/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,502
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,251
−HK$2,789/mo
Today · 4.125%
HK$108,040
baseline
▲ 0.50% · 4.625%
HK$113,735
+HK$5,695/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,080/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,044 · Scale 2, in force from 26 Feb 2026)