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$51,243
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,837
−HK$1,620/mo
Today · 4.125%
HK$54,457
baseline
▲ 0.50% · 4.625%
HK$57,770
+HK$3,313/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,914/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,551/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,255
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,492
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,943/mo
Today · 4.125%
HK$65,348
baseline
▲ 0.50% · 4.625%
HK$69,324
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,696/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,409
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,244
−HK$1,861/mo
Today · 4.125%
HK$72,105
baseline
▲ 0.50% · 4.625%
HK$75,906
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,210/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,741
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,972
−HK$2,267/mo
Today · 4.125%
HK$76,239
baseline
▲ 0.50% · 4.625%
HK$80,878
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,478/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,811
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,172/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$88,557
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,238
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,107
−HK$2,915/mo
Today · 4.125%
HK$98,022
baseline
▲ 0.50% · 4.625%
HK$103,986
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,044/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,614
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$2,792/mo
Today · 4.125%
HK$108,158
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,316/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,086 · Scale 2, in force from 26 Feb 2026)