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$51,271
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,866
−HK$1,620/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,568
−HK$1,552/mo
Today · 4.125%
HK$60,120
baseline
▲ 0.50% · 4.625%
HK$63,289
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,240/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,525
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,439
−HK$1,944/mo
Today · 4.125%
HK$65,383
baseline
▲ 0.50% · 4.625%
HK$69,362
+HK$3,979/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,766/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,446
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,282
−HK$1,862/mo
Today · 4.125%
HK$72,144
baseline
▲ 0.50% · 4.625%
HK$75,947
+HK$3,803/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,288/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,779
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,012
−HK$2,268/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,922
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,854
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,995
−HK$2,173/mo
Today · 4.125%
HK$84,168
baseline
▲ 0.50% · 4.625%
HK$88,604
+HK$4,436/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,336/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,287
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,917/mo
Today · 4.125%
HK$98,075
baseline
▲ 0.50% · 4.625%
HK$104,042
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,150/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,669
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,422
−HK$2,794/mo
Today · 4.125%
HK$108,216
baseline
▲ 0.50% · 4.625%
HK$113,920
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,432/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,599 · Scale 2, in force from 26 Feb 2026)