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$51,117
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,707
−HK$1,616/mo
Today · 4.125%
HK$54,323
baseline
▲ 0.50% · 4.625%
HK$57,628
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,646/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,867
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,548/mo
Today · 4.125%
HK$59,940
baseline
▲ 0.50% · 4.625%
HK$63,099
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,880/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,938/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,241
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$1,857/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$75,719
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,564
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,790
−HK$2,262/mo
Today · 4.125%
HK$76,052
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,627/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,104/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,614
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,749
−HK$2,167/mo
Today · 4.125%
HK$83,916
baseline
▲ 0.50% · 4.625%
HK$88,339
+HK$4,423/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,832/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,011
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,873
−HK$2,908/mo
Today · 4.125%
HK$97,781
baseline
▲ 0.50% · 4.625%
HK$103,730
+HK$5,949/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,361
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,106
−HK$2,785/mo
Today · 4.125%
HK$107,891
baseline
▲ 0.50% · 4.625%
HK$113,578
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,782/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,735 · Scale 2, in force from 26 Feb 2026)