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$51,202
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,618/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,490
−HK$1,550/mo
Today · 4.125%
HK$60,040
baseline
▲ 0.50% · 4.625%
HK$63,204
+HK$3,164/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,080/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,354
−HK$1,942/mo
Today · 4.125%
HK$65,296
baseline
▲ 0.50% · 4.625%
HK$69,269
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,592/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,355
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$1,860/mo
Today · 4.125%
HK$72,048
baseline
▲ 0.50% · 4.625%
HK$75,845
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,096/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$2,265/mo
Today · 4.125%
HK$76,178
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,356/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,886
−HK$2,169/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,164
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,031
−HK$2,913/mo
Today · 4.125%
HK$97,944
baseline
▲ 0.50% · 4.625%
HK$103,903
+HK$5,959/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,888/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,532
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,282
−HK$2,789/mo
Today · 4.125%
HK$108,071
baseline
▲ 0.50% · 4.625%
HK$113,768
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,142/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,323 · Scale 2, in force from 26 Feb 2026)