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$51,134
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,616/mo
Today · 4.125%
HK$54,341
baseline
▲ 0.50% · 4.625%
HK$57,647
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,682/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,886
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,548/mo
Today · 4.125%
HK$59,960
baseline
▲ 0.50% · 4.625%
HK$63,120
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,920/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,361
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,270
−HK$1,939/mo
Today · 4.125%
HK$65,209
baseline
▲ 0.50% · 4.625%
HK$69,177
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,418/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,263
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,094
−HK$1,858/mo
Today · 4.125%
HK$71,952
baseline
▲ 0.50% · 4.625%
HK$75,744
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,904/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,588
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,815
−HK$2,262/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,706
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,641
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,777
−HK$2,166/mo
Today · 4.125%
HK$83,943
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,886/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,041
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,905
−HK$2,908/mo
Today · 4.125%
HK$97,813
baseline
▲ 0.50% · 4.625%
HK$103,765
+HK$5,952/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,626/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,395
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,141
−HK$2,786/mo
Today · 4.125%
HK$107,927
baseline
▲ 0.50% · 4.625%
HK$113,616
+HK$5,689/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,854/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,052 · Scale 2, in force from 26 Feb 2026)