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$51,246
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,840
−HK$1,619/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,773
+HK$3,314/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,010
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,539
−HK$1,552/mo
Today · 4.125%
HK$60,091
baseline
▲ 0.50% · 4.625%
HK$63,258
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,182/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,495
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,943/mo
Today · 4.125%
HK$65,351
baseline
▲ 0.50% · 4.625%
HK$69,328
+HK$3,977/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,702/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,247
−HK$1,862/mo
Today · 4.125%
HK$72,109
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$3,801/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,218/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,744
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,976
−HK$2,267/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,882
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,815
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,955
−HK$2,172/mo
Today · 4.125%
HK$84,127
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,254/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,242
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,112
−HK$2,915/mo
Today · 4.125%
HK$98,027
baseline
▲ 0.50% · 4.625%
HK$103,992
+HK$5,965/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,054/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,619
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,371
−HK$2,792/mo
Today · 4.125%
HK$108,163
baseline
▲ 0.50% · 4.625%
HK$113,864
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,326/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,133 · Scale 2, in force from 26 Feb 2026)