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$51,098
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,687
−HK$1,615/mo
Today · 4.125%
HK$54,302
baseline
▲ 0.50% · 4.625%
HK$57,606
+HK$3,304/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,604/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,846
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,370
−HK$1,547/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,075
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,937/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,215
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,044
−HK$1,856/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.45M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,537
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,762
−HK$2,261/mo
Today · 4.125%
HK$76,023
baseline
▲ 0.50% · 4.625%
HK$80,649
+HK$4,626/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,046/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,584
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,166/mo
Today · 4.125%
HK$83,884
baseline
▲ 0.50% · 4.625%
HK$88,305
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,768/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,976
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,837
−HK$2,907/mo
Today · 4.125%
HK$97,744
baseline
▲ 0.50% · 4.625%
HK$103,691
+HK$5,947/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,488/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,322
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,067
−HK$2,784/mo
Today · 4.125%
HK$107,851
baseline
▲ 0.50% · 4.625%
HK$113,535
+HK$5,684/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,702/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,374 · Scale 2, in force from 26 Feb 2026)