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$51,513
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,628/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$58,074
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,107 · 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$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,815
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,954/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,689
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,769
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,613
−HK$1,871/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,305
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,968/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,118
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,361
−HK$2,279/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,230
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,382
−HK$2,183/mo
Today · 4.125%
HK$84,565
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$4,457/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,130/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,723
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,930/mo
Today · 4.125%
HK$98,537
baseline
▲ 0.50% · 4.625%
HK$104,533
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,074/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,153
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,920
−HK$2,806/mo
Today · 4.125%
HK$108,726
baseline
▲ 0.50% · 4.625%
HK$114,457
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,452/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,107 · Scale 2, in force from 26 Feb 2026)