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$51,216
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,809
−HK$1,618/mo
Today · 4.125%
HK$54,427
baseline
▲ 0.50% · 4.625%
HK$57,739
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,854/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,977
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,505
−HK$1,550/mo
Today · 4.125%
HK$60,055
baseline
▲ 0.50% · 4.625%
HK$63,221
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,110/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,459
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,943/mo
Today · 4.125%
HK$65,313
baseline
▲ 0.50% · 4.625%
HK$69,287
+HK$3,974/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$130,626/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,206
−HK$1,860/mo
Today · 4.125%
HK$72,066
baseline
▲ 0.50% · 4.625%
HK$75,865
+HK$3,799/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$144,132/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,702
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,932
−HK$2,266/mo
Today · 4.125%
HK$76,198
baseline
▲ 0.50% · 4.625%
HK$80,835
+HK$4,637/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,396/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,767
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,907
−HK$2,170/mo
Today · 4.125%
HK$84,077
baseline
▲ 0.50% · 4.625%
HK$88,509
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,154/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,188
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,056
−HK$2,913/mo
Today · 4.125%
HK$97,969
baseline
▲ 0.50% · 4.625%
HK$103,930
+HK$5,961/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,938/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,558
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,309
−HK$2,790/mo
Today · 4.125%
HK$108,099
baseline
▲ 0.50% · 4.625%
HK$113,797
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,198/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,568 · Scale 2, in force from 26 Feb 2026)