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$51,158
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,749
−HK$1,617/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,913
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,439
−HK$1,549/mo
Today · 4.125%
HK$59,988
baseline
▲ 0.50% · 4.625%
HK$63,150
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,976/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,390
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,940/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$69,209
+HK$3,970/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$1,858/mo
Today · 4.125%
HK$71,985
baseline
▲ 0.50% · 4.625%
HK$75,780
+HK$3,795/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,970/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,621
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,849
−HK$2,263/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,632/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,224/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,678
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,168/mo
Today · 4.125%
HK$83,983
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$4,426/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,966/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,084
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,949
−HK$2,910/mo
Today · 4.125%
HK$97,859
baseline
▲ 0.50% · 4.625%
HK$103,813
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,718/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,443
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,190
−HK$2,788/mo
Today · 4.125%
HK$107,978
baseline
▲ 0.50% · 4.625%
HK$113,669
+HK$5,691/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,956/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,496 · Scale 2, in force from 26 Feb 2026)