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$51,183
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,618/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,703
+HK$3,310/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,468
−HK$1,549/mo
Today · 4.125%
HK$60,017
baseline
▲ 0.50% · 4.625%
HK$63,181
+HK$3,164/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,034/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,941/mo
Today · 4.125%
HK$65,271
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,972/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,542/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,162
−HK$1,859/mo
Today · 4.125%
HK$72,021
baseline
▲ 0.50% · 4.625%
HK$75,817
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,042/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,656
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,885
−HK$2,265/mo
Today · 4.125%
HK$76,150
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,634/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,300/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,717
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,855
−HK$2,169/mo
Today · 4.125%
HK$84,024
baseline
▲ 0.50% · 4.625%
HK$88,453
+HK$4,429/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,048/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,130
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,996
−HK$2,911/mo
Today · 4.125%
HK$97,907
baseline
▲ 0.50% · 4.625%
HK$103,865
+HK$5,958/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,814/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,493
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,242
−HK$2,789/mo
Today · 4.125%
HK$108,031
baseline
▲ 0.50% · 4.625%
HK$113,725
+HK$5,694/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,062/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,966 · Scale 2, in force from 26 Feb 2026)