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$51,120
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,616/mo
Today · 4.125%
HK$54,326
baseline
▲ 0.50% · 4.625%
HK$57,632
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,652/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,871
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,547/mo
Today · 4.125%
HK$59,943
baseline
▲ 0.50% · 4.625%
HK$63,103
+HK$3,160/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,886/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,344
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,939/mo
Today · 4.125%
HK$65,191
baseline
▲ 0.50% · 4.625%
HK$69,158
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,382/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,245
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,075
−HK$1,857/mo
Today · 4.125%
HK$71,932
baseline
▲ 0.50% · 4.625%
HK$75,724
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,864/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,568
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,795
−HK$2,261/mo
Today · 4.125%
HK$76,056
baseline
▲ 0.50% · 4.625%
HK$80,684
+HK$4,628/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,112/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,619
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,754
−HK$2,167/mo
Today · 4.125%
HK$83,921
baseline
▲ 0.50% · 4.625%
HK$88,344
+HK$4,423/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,842/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,016
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,879
−HK$2,908/mo
Today · 4.125%
HK$97,787
baseline
▲ 0.50% · 4.625%
HK$103,737
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,574/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,367
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,113
−HK$2,785/mo
Today · 4.125%
HK$107,898
baseline
▲ 0.50% · 4.625%
HK$113,585
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,796/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,793 · Scale 2, in force from 26 Feb 2026)