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$51,155
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,746
−HK$1,617/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$3,307/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,909
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,435
−HK$1,549/mo
Today · 4.125%
HK$59,984
baseline
▲ 0.50% · 4.625%
HK$63,145
+HK$3,161/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$119,968/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,386
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,295
−HK$1,940/mo
Today · 4.125%
HK$65,235
baseline
▲ 0.50% · 4.625%
HK$69,204
+HK$3,969/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,470/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,291
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,122
−HK$1,858/mo
Today · 4.125%
HK$71,980
baseline
▲ 0.50% · 4.625%
HK$75,775
+HK$3,795/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,960/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,617
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,844
−HK$2,264/mo
Today · 4.125%
HK$76,108
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,216/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,673
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,168/mo
Today · 4.125%
HK$83,977
baseline
▲ 0.50% · 4.625%
HK$88,404
+HK$4,427/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,954/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,078
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,943
−HK$2,910/mo
Today · 4.125%
HK$97,853
baseline
▲ 0.50% · 4.625%
HK$103,807
+HK$5,954/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$195,706/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,436
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,184
−HK$2,787/mo
Today · 4.125%
HK$107,971
baseline
▲ 0.50% · 4.625%
HK$113,662
+HK$5,691/mo
Deposit HK$2.24M · loan HK$20.19M · min. income ≈ HK$215,942/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,434 · Scale 2, in force from 26 Feb 2026)