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$51,527
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,130
−HK$1,628/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,860
−HK$1,560/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,832
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,755
−HK$1,954/mo
Today · 4.125%
HK$65,709
baseline
▲ 0.50% · 4.625%
HK$69,708
+HK$3,999/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,418/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,788
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,632
−HK$1,872/mo
Today · 4.125%
HK$72,504
baseline
▲ 0.50% · 4.625%
HK$76,326
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,008/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,137
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,381
−HK$2,280/mo
Today · 4.125%
HK$76,661
baseline
▲ 0.50% · 4.625%
HK$81,326
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,322/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,252
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,404
−HK$2,184/mo
Today · 4.125%
HK$84,588
baseline
▲ 0.50% · 4.625%
HK$89,047
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,176/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,748
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,633
−HK$2,931/mo
Today · 4.125%
HK$98,564
baseline
▲ 0.50% · 4.625%
HK$104,562
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,128/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,181
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,949
−HK$2,807/mo
Today · 4.125%
HK$108,756
baseline
▲ 0.50% · 4.625%
HK$114,489
+HK$5,733/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,512/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,369 · Scale 2, in force from 26 Feb 2026)