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$51,191
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,783
−HK$1,618/mo
Today · 4.125%
HK$54,401
baseline
▲ 0.50% · 4.625%
HK$57,711
+HK$3,310/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,802/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,950
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,477
−HK$1,549/mo
Today · 4.125%
HK$60,026
baseline
▲ 0.50% · 4.625%
HK$63,190
+HK$3,164/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,052/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,340
−HK$1,941/mo
Today · 4.125%
HK$65,281
baseline
▲ 0.50% · 4.625%
HK$69,254
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,562/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,172
−HK$1,860/mo
Today · 4.125%
HK$72,032
baseline
▲ 0.50% · 4.625%
HK$75,828
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,064/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,667
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,897
−HK$2,265/mo
Today · 4.125%
HK$76,162
baseline
▲ 0.50% · 4.625%
HK$80,796
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,324/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,729
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,868
−HK$2,169/mo
Today · 4.125%
HK$84,037
baseline
▲ 0.50% · 4.625%
HK$88,467
+HK$4,430/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,074/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,144
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,010
−HK$2,912/mo
Today · 4.125%
HK$97,922
baseline
▲ 0.50% · 4.625%
HK$103,880
+HK$5,958/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,844/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,509
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,258
−HK$2,789/mo
Today · 4.125%
HK$108,047
baseline
▲ 0.50% · 4.625%
HK$113,743
+HK$5,696/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,094/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,112 · Scale 2, in force from 26 Feb 2026)