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$51,079
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,668
−HK$1,615/mo
Today · 4.125%
HK$54,283
baseline
▲ 0.50% · 4.625%
HK$57,586
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,566/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,825
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,349
−HK$1,546/mo
Today · 4.125%
HK$59,895
baseline
▲ 0.50% · 4.625%
HK$63,053
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,790/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,295
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,937/mo
Today · 4.125%
HK$65,139
baseline
▲ 0.50% · 4.625%
HK$69,103
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,278/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,190
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,019
−HK$1,856/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$75,663
+HK$3,788/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,736
−HK$2,260/mo
Today · 4.125%
HK$75,996
baseline
▲ 0.50% · 4.625%
HK$80,620
+HK$4,624/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$151,992/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,556
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,689
−HK$2,165/mo
Today · 4.125%
HK$83,854
baseline
▲ 0.50% · 4.625%
HK$88,274
+HK$4,420/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,708/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,943
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,803
−HK$2,906/mo
Today · 4.125%
HK$97,709
baseline
▲ 0.50% · 4.625%
HK$103,654
+HK$5,945/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,418/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,286
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,029
−HK$2,783/mo
Today · 4.125%
HK$107,812
baseline
▲ 0.50% · 4.625%
HK$113,495
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,624/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,032 · Scale 2, in force from 26 Feb 2026)