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$51,103
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,692
−HK$1,615/mo
Today · 4.125%
HK$54,307
baseline
▲ 0.50% · 4.625%
HK$57,612
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,614/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,547/mo
Today · 4.125%
HK$59,923
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,158/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,846/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,323
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,938/mo
Today · 4.125%
HK$65,169
baseline
▲ 0.50% · 4.625%
HK$69,134
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$130,338/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,221
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,051
−HK$1,856/mo
Today · 4.125%
HK$71,907
baseline
▲ 0.50% · 4.625%
HK$75,697
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$143,814/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,544
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,769
−HK$2,261/mo
Today · 4.125%
HK$76,030
baseline
▲ 0.50% · 4.625%
HK$80,656
+HK$4,626/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,060/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,591
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,726
−HK$2,166/mo
Today · 4.125%
HK$83,892
baseline
▲ 0.50% · 4.625%
HK$88,314
+HK$4,422/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,784/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,985
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,846
−HK$2,907/mo
Today · 4.125%
HK$97,753
baseline
▲ 0.50% · 4.625%
HK$103,701
+HK$5,948/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,506/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,332
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,076
−HK$2,785/mo
Today · 4.125%
HK$107,861
baseline
▲ 0.50% · 4.625%
HK$113,546
+HK$5,685/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,722/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,462 · Scale 2, in force from 26 Feb 2026)