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$51,522
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,124
−HK$1,629/mo
Today · 4.125%
HK$54,753
baseline
▲ 0.50% · 4.625%
HK$58,084
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,506/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,317
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,855
−HK$1,559/mo
Today · 4.125%
HK$60,414
baseline
▲ 0.50% · 4.625%
HK$63,599
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,828/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,826
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,749
−HK$1,954/mo
Today · 4.125%
HK$65,703
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,406/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,781
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,626
−HK$1,871/mo
Today · 4.125%
HK$72,497
baseline
▲ 0.50% · 4.625%
HK$76,318
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,994/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,374
−HK$2,280/mo
Today · 4.125%
HK$76,654
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,308/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,244
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,397
−HK$2,183/mo
Today · 4.125%
HK$84,580
baseline
▲ 0.50% · 4.625%
HK$89,038
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,160/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,739
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,624
−HK$2,931/mo
Today · 4.125%
HK$98,555
baseline
▲ 0.50% · 4.625%
HK$104,552
+HK$5,997/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,110/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,171
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,938
−HK$2,808/mo
Today · 4.125%
HK$108,746
baseline
▲ 0.50% · 4.625%
HK$114,478
+HK$5,732/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,492/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,277 · Scale 2, in force from 26 Feb 2026)