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$51,083
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,614/mo
Today · 4.125%
HK$54,286
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,572/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,829
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,546/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,299
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,206
−HK$1,937/mo
Today · 4.125%
HK$65,143
baseline
▲ 0.50% · 4.625%
HK$69,107
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,286/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,195
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$1,855/mo
Today · 4.125%
HK$71,879
baseline
▲ 0.50% · 4.625%
HK$75,668
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,758/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,516
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,740
−HK$2,260/mo
Today · 4.125%
HK$76,000
baseline
▲ 0.50% · 4.625%
HK$80,625
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,000/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,560
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,694
−HK$2,165/mo
Today · 4.125%
HK$83,859
baseline
▲ 0.50% · 4.625%
HK$88,279
+HK$4,420/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,718/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,949
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,809
−HK$2,906/mo
Today · 4.125%
HK$97,715
baseline
▲ 0.50% · 4.625%
HK$103,660
+HK$5,945/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,430/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,035
−HK$2,784/mo
Today · 4.125%
HK$107,819
baseline
▲ 0.50% · 4.625%
HK$113,502
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,638/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,091 · Scale 2, in force from 26 Feb 2026)