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$51,382
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,980
−HK$1,624/mo
Today · 4.125%
HK$54,604
baseline
▲ 0.50% · 4.625%
HK$57,926
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,208/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,161
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,694
−HK$1,556/mo
Today · 4.125%
HK$60,250
baseline
▲ 0.50% · 4.625%
HK$63,426
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,500/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,658
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,576
−HK$1,948/mo
Today · 4.125%
HK$65,524
baseline
▲ 0.50% · 4.625%
HK$69,511
+HK$3,987/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,048/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,594
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,433
−HK$1,867/mo
Today · 4.125%
HK$72,300
baseline
▲ 0.50% · 4.625%
HK$76,111
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,600/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,934
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,172
−HK$2,273/mo
Today · 4.125%
HK$76,445
baseline
▲ 0.50% · 4.625%
HK$81,097
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,890/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,026
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,172
−HK$2,178/mo
Today · 4.125%
HK$84,350
baseline
▲ 0.50% · 4.625%
HK$88,796
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,700/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,487
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,364
−HK$2,922/mo
Today · 4.125%
HK$98,286
baseline
▲ 0.50% · 4.625%
HK$104,267
+HK$5,981/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,572/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,891
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$2,799/mo
Today · 4.125%
HK$108,449
baseline
▲ 0.50% · 4.625%
HK$114,166
+HK$5,717/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,898/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,663 · Scale 2, in force from 26 Feb 2026)