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$51,136
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,726
−HK$1,616/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$3,307/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,888
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,548/mo
Today · 4.125%
HK$59,961
baseline
▲ 0.50% · 4.625%
HK$63,122
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,922/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,271
−HK$1,940/mo
Today · 4.125%
HK$65,211
baseline
▲ 0.50% · 4.625%
HK$69,179
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,422/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,265
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,096
−HK$1,857/mo
Today · 4.125%
HK$71,953
baseline
▲ 0.50% · 4.625%
HK$75,746
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,906/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,590
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,817
−HK$2,262/mo
Today · 4.125%
HK$76,079
baseline
▲ 0.50% · 4.625%
HK$80,708
+HK$4,629/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,158/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,643
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,779
−HK$2,167/mo
Today · 4.125%
HK$83,946
baseline
▲ 0.50% · 4.625%
HK$88,371
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,892/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,044
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,907
−HK$2,909/mo
Today · 4.125%
HK$97,816
baseline
▲ 0.50% · 4.625%
HK$103,768
+HK$5,952/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,632/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,398
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,144
−HK$2,786/mo
Today · 4.125%
HK$107,930
baseline
▲ 0.50% · 4.625%
HK$113,619
+HK$5,689/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,860/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,077 · Scale 2, in force from 26 Feb 2026)