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$51,057
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,645
−HK$1,613/mo
Today · 4.125%
HK$54,258
baseline
▲ 0.50% · 4.625%
HK$57,560
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,516/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,800
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,323
−HK$1,546/mo
Today · 4.125%
HK$59,869
baseline
▲ 0.50% · 4.625%
HK$63,024
+HK$3,155/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,738/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,268
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,174
−HK$1,936/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$69,072
+HK$3,962/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$1,854/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$75,629
+HK$3,787/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,479
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,703
−HK$2,259/mo
Today · 4.125%
HK$75,962
baseline
▲ 0.50% · 4.625%
HK$80,584
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,924/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,653
−HK$2,163/mo
Today · 4.125%
HK$83,816
baseline
▲ 0.50% · 4.625%
HK$88,234
+HK$4,418/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,632/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,902
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,761
−HK$2,904/mo
Today · 4.125%
HK$97,665
baseline
▲ 0.50% · 4.625%
HK$103,608
+HK$5,943/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,330/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,240
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,982
−HK$2,782/mo
Today · 4.125%
HK$107,764
baseline
▲ 0.50% · 4.625%
HK$113,444
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,528/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,607 · Scale 2, in force from 26 Feb 2026)