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$51,182
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,774
−HK$1,618/mo
Today · 4.125%
HK$54,392
baseline
▲ 0.50% · 4.625%
HK$57,701
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,784/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,940
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,467
−HK$1,549/mo
Today · 4.125%
HK$60,016
baseline
▲ 0.50% · 4.625%
HK$63,179
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,032/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,418
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,329
−HK$1,941/mo
Today · 4.125%
HK$65,270
baseline
▲ 0.50% · 4.625%
HK$69,241
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,540/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,327
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,160
−HK$1,859/mo
Today · 4.125%
HK$72,019
baseline
▲ 0.50% · 4.625%
HK$75,815
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,038/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,655
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,884
−HK$2,264/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,782
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,715
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,853
−HK$2,169/mo
Today · 4.125%
HK$84,022
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$4,429/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,044/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,128
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,993
−HK$2,912/mo
Today · 4.125%
HK$97,905
baseline
▲ 0.50% · 4.625%
HK$103,862
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,810/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,491
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,240
−HK$2,788/mo
Today · 4.125%
HK$108,028
baseline
▲ 0.50% · 4.625%
HK$113,723
+HK$5,695/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,056/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,945 · Scale 2, in force from 26 Feb 2026)