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$51,076
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,665
−HK$1,614/mo
Today · 4.125%
HK$54,279
baseline
▲ 0.50% · 4.625%
HK$57,582
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,558/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,822
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,346
−HK$1,546/mo
Today · 4.125%
HK$59,892
baseline
▲ 0.50% · 4.625%
HK$63,049
+HK$3,157/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,784/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,292
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,937/mo
Today · 4.125%
HK$65,135
baseline
▲ 0.50% · 4.625%
HK$69,099
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,270/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,187
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,015
−HK$1,855/mo
Today · 4.125%
HK$71,870
baseline
▲ 0.50% · 4.625%
HK$75,659
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,740/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,507
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,731
−HK$2,260/mo
Today · 4.125%
HK$75,991
baseline
▲ 0.50% · 4.625%
HK$80,615
+HK$4,624/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,982/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,684
−HK$2,165/mo
Today · 4.125%
HK$83,849
baseline
▲ 0.50% · 4.625%
HK$88,269
+HK$4,420/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,698/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,938
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,797
−HK$2,906/mo
Today · 4.125%
HK$97,703
baseline
▲ 0.50% · 4.625%
HK$103,648
+HK$5,945/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,406/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,280
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,023
−HK$2,783/mo
Today · 4.125%
HK$107,806
baseline
▲ 0.50% · 4.625%
HK$113,488
+HK$5,682/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,612/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,977 · Scale 2, in force from 26 Feb 2026)