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$51,088
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,677
−HK$1,615/mo
Today · 4.125%
HK$54,292
baseline
▲ 0.50% · 4.625%
HK$57,595
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,584/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,835
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,359
−HK$1,547/mo
Today · 4.125%
HK$59,906
baseline
▲ 0.50% · 4.625%
HK$63,064
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,812/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,306
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,937/mo
Today · 4.125%
HK$65,150
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,300/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,031
−HK$1,856/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,524
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,748
−HK$2,261/mo
Today · 4.125%
HK$76,009
baseline
▲ 0.50% · 4.625%
HK$80,634
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,018/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,703
−HK$2,165/mo
Today · 4.125%
HK$83,868
baseline
▲ 0.50% · 4.625%
HK$88,289
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,736/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,959
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,819
−HK$2,906/mo
Today · 4.125%
HK$97,725
baseline
▲ 0.50% · 4.625%
HK$103,672
+HK$5,947/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,450/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,303
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,047
−HK$2,783/mo
Today · 4.125%
HK$107,830
baseline
▲ 0.50% · 4.625%
HK$113,514
+HK$5,684/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,660/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,196 · Scale 2, in force from 26 Feb 2026)