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$51,147
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,738
−HK$1,617/mo
Today · 4.125%
HK$54,355
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$3,307/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,710/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,901
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,427
−HK$1,548/mo
Today · 4.125%
HK$59,975
baseline
▲ 0.50% · 4.625%
HK$63,136
+HK$3,161/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,950/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,377
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,286
−HK$1,940/mo
Today · 4.125%
HK$65,226
baseline
▲ 0.50% · 4.625%
HK$69,194
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,452/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,281
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,112
−HK$1,858/mo
Today · 4.125%
HK$71,970
baseline
▲ 0.50% · 4.625%
HK$75,764
+HK$3,794/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,940/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,834
−HK$2,262/mo
Today · 4.125%
HK$76,096
baseline
▲ 0.50% · 4.625%
HK$80,727
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,192/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,661
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,798
−HK$2,167/mo
Today · 4.125%
HK$83,965
baseline
▲ 0.50% · 4.625%
HK$88,391
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,930/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,065
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,909/mo
Today · 4.125%
HK$97,838
baseline
▲ 0.50% · 4.625%
HK$103,792
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,676/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,421
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,168
−HK$2,787/mo
Today · 4.125%
HK$107,955
baseline
▲ 0.50% · 4.625%
HK$113,645
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,910/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,296 · Scale 2, in force from 26 Feb 2026)