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$51,153
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,744
−HK$1,617/mo
Today · 4.125%
HK$54,361
baseline
▲ 0.50% · 4.625%
HK$57,669
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,722/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,907
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,548/mo
Today · 4.125%
HK$59,982
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,964/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,384
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,293
−HK$1,940/mo
Today · 4.125%
HK$65,233
baseline
▲ 0.50% · 4.625%
HK$69,202
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,466/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,289
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,120
−HK$1,858/mo
Today · 4.125%
HK$71,978
baseline
▲ 0.50% · 4.625%
HK$75,772
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,956/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,614
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,842
−HK$2,263/mo
Today · 4.125%
HK$76,105
baseline
▲ 0.50% · 4.625%
HK$80,736
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,210/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,670
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,807
−HK$2,168/mo
Today · 4.125%
HK$83,975
baseline
▲ 0.50% · 4.625%
HK$88,401
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,950/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,076
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,940
−HK$2,910/mo
Today · 4.125%
HK$97,850
baseline
▲ 0.50% · 4.625%
HK$103,804
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,700/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,433
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,180
−HK$2,787/mo
Today · 4.125%
HK$107,967
baseline
▲ 0.50% · 4.625%
HK$113,659
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,934/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,406 · Scale 2, in force from 26 Feb 2026)