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$51,264
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,793
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,551/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,280
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,516
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,430
−HK$1,944/mo
Today · 4.125%
HK$65,374
baseline
▲ 0.50% · 4.625%
HK$69,352
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,748/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,436
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,272
−HK$1,862/mo
Today · 4.125%
HK$72,134
baseline
▲ 0.50% · 4.625%
HK$75,936
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,268/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,769
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,002
−HK$2,268/mo
Today · 4.125%
HK$76,270
baseline
▲ 0.50% · 4.625%
HK$80,910
+HK$4,640/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,540/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,842
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,984
−HK$2,172/mo
Today · 4.125%
HK$84,156
baseline
▲ 0.50% · 4.625%
HK$88,592
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,312/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,145
−HK$2,916/mo
Today · 4.125%
HK$98,061
baseline
▲ 0.50% · 4.625%
HK$104,028
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,122/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,654
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$2,793/mo
Today · 4.125%
HK$108,201
baseline
▲ 0.50% · 4.625%
HK$113,904
+HK$5,703/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,402/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,465 · Scale 2, in force from 26 Feb 2026)