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$51,269
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,621/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,800
+HK$3,315/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,037
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,566
−HK$1,552/mo
Today · 4.125%
HK$60,118
baseline
▲ 0.50% · 4.625%
HK$63,287
+HK$3,169/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,236/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,523
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,437
−HK$1,944/mo
Today · 4.125%
HK$65,381
baseline
▲ 0.50% · 4.625%
HK$69,360
+HK$3,979/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$130,762/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$1,862/mo
Today · 4.125%
HK$72,142
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$3,803/mo
Deposit HK$8.99M · loan HK$13.49M · min. income ≈ HK$144,284/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,010
−HK$2,268/mo
Today · 4.125%
HK$76,278
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,642/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$152,556/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,852
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,993
−HK$2,173/mo
Today · 4.125%
HK$84,166
baseline
▲ 0.50% · 4.625%
HK$88,602
+HK$4,436/mo
Deposit HK$6.75M · loan HK$15.74M · min. income ≈ HK$168,332/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,285
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,156
−HK$2,916/mo
Today · 4.125%
HK$98,072
baseline
▲ 0.50% · 4.625%
HK$104,040
+HK$5,968/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$196,144/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,666
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,420
−HK$2,793/mo
Today · 4.125%
HK$108,213
baseline
▲ 0.50% · 4.625%
HK$113,917
+HK$5,704/mo
Deposit HK$2.25M · loan HK$20.24M · min. income ≈ HK$216,426/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,574 · Scale 2, in force from 26 Feb 2026)