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$51,388
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,986
−HK$1,624/mo
Today · 4.125%
HK$54,610
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$3,323/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,220/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,168
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,702
−HK$1,555/mo
Today · 4.125%
HK$60,257
baseline
▲ 0.50% · 4.625%
HK$63,433
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,514/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,665
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,948/mo
Today · 4.125%
HK$65,532
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,988/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,064/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,602
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$1,867/mo
Today · 4.125%
HK$72,309
baseline
▲ 0.50% · 4.625%
HK$76,120
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,618/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,943
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,181
−HK$2,273/mo
Today · 4.125%
HK$76,454
baseline
▲ 0.50% · 4.625%
HK$81,107
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,908/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,036
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,182
−HK$2,178/mo
Today · 4.125%
HK$84,360
baseline
▲ 0.50% · 4.625%
HK$88,807
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,720/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,498
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,375
−HK$2,924/mo
Today · 4.125%
HK$98,299
baseline
▲ 0.50% · 4.625%
HK$104,280
+HK$5,981/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,598/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,903
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,663
−HK$2,800/mo
Today · 4.125%
HK$108,463
baseline
▲ 0.50% · 4.625%
HK$114,180
+HK$5,717/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,926/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,781 · Scale 2, in force from 26 Feb 2026)