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$51,209
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,802
−HK$1,619/mo
Today · 4.125%
HK$54,421
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,842/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,970
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,498
−HK$1,550/mo
Today · 4.125%
HK$60,048
baseline
▲ 0.50% · 4.625%
HK$63,213
+HK$3,165/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,096/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,451
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,363
−HK$1,942/mo
Today · 4.125%
HK$65,305
baseline
▲ 0.50% · 4.625%
HK$69,278
+HK$3,973/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,610/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,364
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$1,860/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$75,856
+HK$3,799/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,693
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,923
−HK$2,266/mo
Today · 4.125%
HK$76,189
baseline
▲ 0.50% · 4.625%
HK$80,825
+HK$4,636/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,378/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,758
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,897
−HK$2,170/mo
Today · 4.125%
HK$84,067
baseline
▲ 0.50% · 4.625%
HK$88,498
+HK$4,431/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,134/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,177
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,044
−HK$2,913/mo
Today · 4.125%
HK$97,957
baseline
▲ 0.50% · 4.625%
HK$103,918
+HK$5,961/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,914/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,546
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,296
−HK$2,790/mo
Today · 4.125%
HK$108,086
baseline
▲ 0.50% · 4.625%
HK$113,783
+HK$5,697/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,172/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,454 · Scale 2, in force from 26 Feb 2026)