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$51,242
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,836
−HK$1,620/mo
Today · 4.125%
HK$54,456
baseline
▲ 0.50% · 4.625%
HK$57,769
+HK$3,313/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,912/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,007
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,551/mo
Today · 4.125%
HK$60,086
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,172/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,404
−HK$1,943/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$1,861/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$75,904
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,739
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,971
−HK$2,267/mo
Today · 4.125%
HK$76,238
baseline
▲ 0.50% · 4.625%
HK$80,877
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,476/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,809
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,171/mo
Today · 4.125%
HK$84,121
baseline
▲ 0.50% · 4.625%
HK$88,555
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,242/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,105
−HK$2,915/mo
Today · 4.125%
HK$98,020
baseline
▲ 0.50% · 4.625%
HK$103,985
+HK$5,965/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,040/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,612
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,364
−HK$2,792/mo
Today · 4.125%
HK$108,156
baseline
▲ 0.50% · 4.625%
HK$113,857
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,312/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,069 · Scale 2, in force from 26 Feb 2026)