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$51,251
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,845
−HK$1,620/mo
Today · 4.125%
HK$54,465
baseline
▲ 0.50% · 4.625%
HK$57,779
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,930/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,017
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,546
−HK$1,551/mo
Today · 4.125%
HK$60,097
baseline
▲ 0.50% · 4.625%
HK$63,265
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,194/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,502
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,943/mo
Today · 4.125%
HK$65,358
baseline
▲ 0.50% · 4.625%
HK$69,335
+HK$3,977/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,716/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,420
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,255
−HK$1,861/mo
Today · 4.125%
HK$72,116
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,232/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,752
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,984
−HK$2,267/mo
Today · 4.125%
HK$76,251
baseline
▲ 0.50% · 4.625%
HK$80,891
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,502/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,823
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,964
−HK$2,172/mo
Today · 4.125%
HK$84,136
baseline
▲ 0.50% · 4.625%
HK$88,571
+HK$4,435/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,272/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,252
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,122
−HK$2,915/mo
Today · 4.125%
HK$98,037
baseline
▲ 0.50% · 4.625%
HK$104,003
+HK$5,966/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,074/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,630
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,382
−HK$2,793/mo
Today · 4.125%
HK$108,175
baseline
▲ 0.50% · 4.625%
HK$113,877
+HK$5,702/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,350/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,235 · Scale 2, in force from 26 Feb 2026)