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$3,204/mo
▼ 0.25% · 3.875%
HK$52,672
−HK$1,615/mo
Today · 4.125%
HK$54,287
baseline
▲ 0.50% · 4.625%
HK$57,590
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,574/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,830
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,354
−HK$1,546/mo
Today · 4.125%
HK$59,900
baseline
▲ 0.50% · 4.625%
HK$63,057
+HK$3,157/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,800/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,300
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,207
−HK$1,937/mo
Today · 4.125%
HK$65,144
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,964/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,288/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,025
−HK$1,855/mo
Today · 4.125%
HK$71,880
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$3,789/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,760/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,517
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,741
−HK$2,260/mo
Today · 4.125%
HK$76,001
baseline
▲ 0.50% · 4.625%
HK$80,626
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,002/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,562
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,695
−HK$2,165/mo
Today · 4.125%
HK$83,860
baseline
▲ 0.50% · 4.625%
HK$88,280
+HK$4,420/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,720/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,950
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,810
−HK$2,906/mo
Today · 4.125%
HK$97,716
baseline
▲ 0.50% · 4.625%
HK$103,662
+HK$5,946/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,432/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,293
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,037
−HK$2,783/mo
Today · 4.125%
HK$107,820
baseline
▲ 0.50% · 4.625%
HK$113,503
+HK$5,683/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,640/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,104 · Scale 2, in force from 26 Feb 2026)