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$51,384
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,983
−HK$1,624/mo
Today · 4.125%
HK$54,607
baseline
▲ 0.50% · 4.625%
HK$57,929
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,214/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,165
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,555/mo
Today · 4.125%
HK$60,253
baseline
▲ 0.50% · 4.625%
HK$63,429
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,506/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,661
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,949/mo
Today · 4.125%
HK$65,528
baseline
▲ 0.50% · 4.625%
HK$69,515
+HK$3,987/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,056/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,598
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,437
−HK$1,867/mo
Today · 4.125%
HK$72,304
baseline
▲ 0.50% · 4.625%
HK$76,115
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,608/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,938
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,176
−HK$2,273/mo
Today · 4.125%
HK$76,449
baseline
▲ 0.50% · 4.625%
HK$81,101
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,898/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,030
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,177
−HK$2,177/mo
Today · 4.125%
HK$84,354
baseline
▲ 0.50% · 4.625%
HK$88,801
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,708/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,492
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,369
−HK$2,923/mo
Today · 4.125%
HK$98,292
baseline
▲ 0.50% · 4.625%
HK$104,273
+HK$5,981/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,584/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,896
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,656
−HK$2,799/mo
Today · 4.125%
HK$108,455
baseline
▲ 0.50% · 4.625%
HK$114,172
+HK$5,717/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,910/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,715 · Scale 2, in force from 26 Feb 2026)