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$51,159
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,751
−HK$1,617/mo
Today · 4.125%
HK$54,368
baseline
▲ 0.50% · 4.625%
HK$57,676
+HK$3,308/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,736/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,441
−HK$1,548/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,151
+HK$3,162/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,391
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,940/mo
Today · 4.125%
HK$65,241
baseline
▲ 0.50% · 4.625%
HK$69,211
+HK$3,970/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,482/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,297
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,129
−HK$1,858/mo
Today · 4.125%
HK$71,987
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$3,795/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,974/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,623
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,851
−HK$2,264/mo
Today · 4.125%
HK$76,115
baseline
▲ 0.50% · 4.625%
HK$80,746
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,230/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,680
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,817
−HK$2,168/mo
Today · 4.125%
HK$83,985
baseline
▲ 0.50% · 4.625%
HK$88,412
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$167,970/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,087
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,951
−HK$2,911/mo
Today · 4.125%
HK$97,862
baseline
▲ 0.50% · 4.625%
HK$103,816
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,724/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,446
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,193
−HK$2,788/mo
Today · 4.125%
HK$107,981
baseline
▲ 0.50% · 4.625%
HK$113,673
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,962/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,524 · Scale 2, in force from 26 Feb 2026)