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$51,163
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,754
−HK$1,617/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,680
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,918
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,548/mo
Today · 4.125%
HK$59,993
baseline
▲ 0.50% · 4.625%
HK$63,156
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,986/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,395
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,305
−HK$1,940/mo
Today · 4.125%
HK$65,245
baseline
▲ 0.50% · 4.625%
HK$69,215
+HK$3,970/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,490/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,302
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,134
−HK$1,858/mo
Today · 4.125%
HK$71,992
baseline
▲ 0.50% · 4.625%
HK$75,787
+HK$3,795/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,984/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,628
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,856
−HK$2,264/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,751
+HK$4,631/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,240/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,685
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,822
−HK$2,169/mo
Today · 4.125%
HK$83,991
baseline
▲ 0.50% · 4.625%
HK$88,418
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$167,982/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,093
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,958
−HK$2,910/mo
Today · 4.125%
HK$97,868
baseline
▲ 0.50% · 4.625%
HK$103,823
+HK$5,955/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,736/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,453
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,200
−HK$2,788/mo
Today · 4.125%
HK$107,988
baseline
▲ 0.50% · 4.625%
HK$113,680
+HK$5,692/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,976/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,586 · Scale 2, in force from 26 Feb 2026)