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$51,122
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,713
−HK$1,615/mo
Today · 4.125%
HK$54,328
baseline
▲ 0.50% · 4.625%
HK$57,634
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,656/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,873
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,398
−HK$1,548/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,106
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,255
−HK$1,939/mo
Today · 4.125%
HK$65,194
baseline
▲ 0.50% · 4.625%
HK$69,161
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,388/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,248
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,078
−HK$1,857/mo
Today · 4.125%
HK$71,935
baseline
▲ 0.50% · 4.625%
HK$75,727
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,870/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,571
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$2,261/mo
Today · 4.125%
HK$76,059
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,118/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,622
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,758
−HK$2,166/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$88,348
+HK$4,424/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,883
−HK$2,908/mo
Today · 4.125%
HK$97,791
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,582/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,372
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,117
−HK$2,785/mo
Today · 4.125%
HK$107,902
baseline
▲ 0.50% · 4.625%
HK$113,590
+HK$5,688/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,804/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,832 · Scale 2, in force from 26 Feb 2026)