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$51,179
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,771
−HK$1,618/mo
Today · 4.125%
HK$54,389
baseline
▲ 0.50% · 4.625%
HK$57,698
+HK$3,309/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$108,778/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,937
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,464
−HK$1,549/mo
Today · 4.125%
HK$60,013
baseline
▲ 0.50% · 4.625%
HK$63,176
+HK$3,163/mo
Deposit HK$11.22M · loan HK$11.22M · min. income ≈ HK$120,026/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,415
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,941/mo
Today · 4.125%
HK$65,267
baseline
▲ 0.50% · 4.625%
HK$69,238
+HK$3,971/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$130,534/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,324
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,156
−HK$1,859/mo
Today · 4.125%
HK$72,015
baseline
▲ 0.50% · 4.625%
HK$75,811
+HK$3,796/mo
Deposit HK$8.98M · loan HK$13.47M · min. income ≈ HK$144,030/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,651
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$2,264/mo
Today · 4.125%
HK$76,144
baseline
▲ 0.50% · 4.625%
HK$80,777
+HK$4,633/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$152,288/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,711
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,849
−HK$2,169/mo
Today · 4.125%
HK$84,018
baseline
▲ 0.50% · 4.625%
HK$88,446
+HK$4,428/mo
Deposit HK$6.73M · loan HK$15.71M · min. income ≈ HK$168,036/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,912/mo
Today · 4.125%
HK$97,900
baseline
▲ 0.50% · 4.625%
HK$103,857
+HK$5,957/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$195,800/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,486
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,234
−HK$2,789/mo
Today · 4.125%
HK$108,023
baseline
▲ 0.50% · 4.625%
HK$113,717
+HK$5,694/mo
Deposit HK$2.24M · loan HK$20.20M · min. income ≈ HK$216,046/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,895 · Scale 2, in force from 26 Feb 2026)