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$51,252
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,846
−HK$1,620/mo
Today · 4.125%
HK$54,466
baseline
▲ 0.50% · 4.625%
HK$57,780
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,932/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,017
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,546
−HK$1,552/mo
Today · 4.125%
HK$60,098
baseline
▲ 0.50% · 4.625%
HK$63,265
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,196/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,502
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,944/mo
Today · 4.125%
HK$65,359
baseline
▲ 0.50% · 4.625%
HK$69,336
+HK$3,977/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,718/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,421
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,256
−HK$1,861/mo
Today · 4.125%
HK$72,117
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,234/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,753
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,984
−HK$2,268/mo
Today · 4.125%
HK$76,252
baseline
▲ 0.50% · 4.625%
HK$80,892
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,504/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,824
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,965
−HK$2,172/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$88,572
+HK$4,435/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,253
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,123
−HK$2,915/mo
Today · 4.125%
HK$98,038
baseline
▲ 0.50% · 4.625%
HK$104,004
+HK$5,966/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,076/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,631
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,383
−HK$2,793/mo
Today · 4.125%
HK$108,176
baseline
▲ 0.50% · 4.625%
HK$113,878
+HK$5,702/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,352/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,245 · Scale 2, in force from 26 Feb 2026)