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$51,552
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,629/mo
Today · 4.125%
HK$54,785
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,570/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,351
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,889
−HK$1,561/mo
Today · 4.125%
HK$60,450
baseline
▲ 0.50% · 4.625%
HK$63,636
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,900/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,863
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,787
−HK$1,955/mo
Today · 4.125%
HK$65,742
baseline
▲ 0.50% · 4.625%
HK$69,742
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,484/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,822
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,667
−HK$1,873/mo
Today · 4.125%
HK$72,540
baseline
▲ 0.50% · 4.625%
HK$76,363
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,080/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,173
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,418
−HK$2,281/mo
Today · 4.125%
HK$76,699
baseline
▲ 0.50% · 4.625%
HK$81,366
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,398/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,292
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,445
−HK$2,185/mo
Today · 4.125%
HK$84,630
baseline
▲ 0.50% · 4.625%
HK$89,091
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,260/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,794
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,680
−HK$2,933/mo
Today · 4.125%
HK$98,613
baseline
▲ 0.50% · 4.625%
HK$104,613
+HK$6,000/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,226/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,232
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,001
−HK$2,809/mo
Today · 4.125%
HK$108,810
baseline
▲ 0.50% · 4.625%
HK$114,545
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,620/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,843 · Scale 2, in force from 26 Feb 2026)