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$51,512
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,114
−HK$1,628/mo
Today · 4.125%
HK$54,742
baseline
▲ 0.50% · 4.625%
HK$58,073
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,484/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,307
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,559/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,815
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,954/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,768
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$1,871/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,304
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,117
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,360
−HK$2,279/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$81,303
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,229
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,381
−HK$2,183/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,021
+HK$4,457/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,722
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,606
−HK$2,930/mo
Today · 4.125%
HK$98,536
baseline
▲ 0.50% · 4.625%
HK$104,532
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,072/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,152
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,919
−HK$2,806/mo
Today · 4.125%
HK$108,725
baseline
▲ 0.50% · 4.625%
HK$114,456
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,450/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,097 · Scale 2, in force from 26 Feb 2026)