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$51,189
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,781
−HK$1,618/mo
Today · 4.125%
HK$54,399
baseline
▲ 0.50% · 4.625%
HK$57,709
+HK$3,310/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,798/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,947
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,475
−HK$1,549/mo
Today · 4.125%
HK$60,024
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,164/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,048/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,427
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,338
−HK$1,941/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$69,251
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,170
−HK$1,859/mo
Today · 4.125%
HK$72,029
baseline
▲ 0.50% · 4.625%
HK$75,826
+HK$3,797/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,058/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,665
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,894
−HK$2,265/mo
Today · 4.125%
HK$76,159
baseline
▲ 0.50% · 4.625%
HK$80,793
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,318/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,726
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,865
−HK$2,169/mo
Today · 4.125%
HK$84,034
baseline
▲ 0.50% · 4.625%
HK$88,463
+HK$4,429/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,068/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,140
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,007
−HK$2,911/mo
Today · 4.125%
HK$97,918
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,959/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,836/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,505
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,254
−HK$2,789/mo
Today · 4.125%
HK$108,043
baseline
▲ 0.50% · 4.625%
HK$113,738
+HK$5,695/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,086/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,077 · Scale 2, in force from 26 Feb 2026)