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$51,085
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,674
−HK$1,614/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,591
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,355
−HK$1,547/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,157/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,302
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,938/mo
Today · 4.125%
HK$65,146
baseline
▲ 0.50% · 4.625%
HK$69,110
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,292/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$1,856/mo
Today · 4.125%
HK$71,882
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,764/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,519
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,743
−HK$2,260/mo
Today · 4.125%
HK$76,003
baseline
▲ 0.50% · 4.625%
HK$80,628
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,006/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,564
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,698
−HK$2,164/mo
Today · 4.125%
HK$83,862
baseline
▲ 0.50% · 4.625%
HK$88,283
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,724/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,952
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,813
−HK$2,906/mo
Today · 4.125%
HK$97,719
baseline
▲ 0.50% · 4.625%
HK$103,665
+HK$5,946/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,438/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,296
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,040
−HK$2,783/mo
Today · 4.125%
HK$107,823
baseline
▲ 0.50% · 4.625%
HK$113,506
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,646/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,130 · Scale 2, in force from 26 Feb 2026)