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$51,215
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,808
−HK$1,619/mo
Today · 4.125%
HK$54,427
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$3,311/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,854/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,976
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,504
−HK$1,550/mo
Today · 4.125%
HK$60,054
baseline
▲ 0.50% · 4.625%
HK$63,220
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,108/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,458
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,942/mo
Today · 4.125%
HK$65,312
baseline
▲ 0.50% · 4.625%
HK$69,286
+HK$3,974/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$130,624/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,371
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,205
−HK$1,860/mo
Today · 4.125%
HK$72,065
baseline
▲ 0.50% · 4.625%
HK$75,864
+HK$3,799/mo
Deposit HK$8.98M · loan HK$13.48M · min. income ≈ HK$144,130/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,701
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,931
−HK$2,266/mo
Today · 4.125%
HK$76,197
baseline
▲ 0.50% · 4.625%
HK$80,834
+HK$4,637/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,394/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,767
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,906
−HK$2,170/mo
Today · 4.125%
HK$84,076
baseline
▲ 0.50% · 4.625%
HK$88,508
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,152/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,187
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,054
−HK$2,914/mo
Today · 4.125%
HK$97,968
baseline
▲ 0.50% · 4.625%
HK$103,929
+HK$5,961/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$195,936/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,557
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,308
−HK$2,790/mo
Today · 4.125%
HK$108,098
baseline
▲ 0.50% · 4.625%
HK$113,796
+HK$5,698/mo
Deposit HK$2.25M · loan HK$20.21M · min. income ≈ HK$216,196/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,557 · Scale 2, in force from 26 Feb 2026)