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$51,061
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,613/mo
Today · 4.125%
HK$54,263
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$3,302/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,526/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,805
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$58,329
−HK$1,545/mo
Today · 4.125%
HK$59,874
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,156/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,748/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,274
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,936/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,962/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,166
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$1,854/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$2,259/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,528
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,164/mo
Today · 4.125%
HK$83,824
baseline
▲ 0.50% · 4.625%
HK$88,243
+HK$4,419/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,648/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,911
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,770
−HK$2,904/mo
Today · 4.125%
HK$97,674
baseline
▲ 0.50% · 4.625%
HK$103,618
+HK$5,944/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,348/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,250
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,992
−HK$2,782/mo
Today · 4.125%
HK$107,774
baseline
▲ 0.50% · 4.625%
HK$113,455
+HK$5,681/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,548/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,697 · Scale 2, in force from 26 Feb 2026)