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$51,267
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,620/mo
Today · 4.125%
HK$54,482
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,964/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,034
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,564
−HK$1,552/mo
Today · 4.125%
HK$60,116
baseline
▲ 0.50% · 4.625%
HK$63,284
+HK$3,168/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,232/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,521
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,434
−HK$1,945/mo
Today · 4.125%
HK$65,379
baseline
▲ 0.50% · 4.625%
HK$69,357
+HK$3,978/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,758/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,441
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,277
−HK$1,862/mo
Today · 4.125%
HK$72,139
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$3,802/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,278/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,774
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$2,268/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,916
+HK$4,641/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,848
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,990
−HK$2,172/mo
Today · 4.125%
HK$84,162
baseline
▲ 0.50% · 4.625%
HK$88,598
+HK$4,436/mo
Deposit HK$6.74M · loan HK$15.74M · min. income ≈ HK$168,324/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,281
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,152
−HK$2,916/mo
Today · 4.125%
HK$98,068
baseline
▲ 0.50% · 4.625%
HK$104,035
+HK$5,967/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$196,136/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,662
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,415
−HK$2,793/mo
Today · 4.125%
HK$108,208
baseline
▲ 0.50% · 4.625%
HK$113,912
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.23M · min. income ≈ HK$216,416/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,533 · Scale 2, in force from 26 Feb 2026)