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$51,266
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,860
−HK$1,621/mo
Today · 4.125%
HK$54,481
baseline
▲ 0.50% · 4.625%
HK$57,796
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,962/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,033
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,562
−HK$1,552/mo
Today · 4.125%
HK$60,114
baseline
▲ 0.50% · 4.625%
HK$63,283
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,228/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,519
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,433
−HK$1,944/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,439
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,275
−HK$1,862/mo
Today · 4.125%
HK$72,137
baseline
▲ 0.50% · 4.625%
HK$75,939
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,274/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,772
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,005
−HK$2,268/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,914
+HK$4,641/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,846
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,987
−HK$2,173/mo
Today · 4.125%
HK$84,160
baseline
▲ 0.50% · 4.625%
HK$88,596
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,320/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,278
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,149
−HK$2,916/mo
Today · 4.125%
HK$98,065
baseline
▲ 0.50% · 4.625%
HK$104,032
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,130/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,659
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,412
−HK$2,793/mo
Today · 4.125%
HK$108,205
baseline
▲ 0.50% · 4.625%
HK$113,909
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,410/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,505 · Scale 2, in force from 26 Feb 2026)