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$51,377
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,975
−HK$1,624/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,921
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,157
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,555/mo
Today · 4.125%
HK$60,245
baseline
▲ 0.50% · 4.625%
HK$63,420
+HK$3,175/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,490/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,653
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,570
−HK$1,949/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$69,505
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,588
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,427
−HK$1,867/mo
Today · 4.125%
HK$72,294
baseline
▲ 0.50% · 4.625%
HK$76,104
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,588/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,928
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,165
−HK$2,274/mo
Today · 4.125%
HK$76,439
baseline
▲ 0.50% · 4.625%
HK$81,090
+HK$4,651/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,878/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,019
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,165
−HK$2,177/mo
Today · 4.125%
HK$84,342
baseline
▲ 0.50% · 4.625%
HK$88,788
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,684/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,479
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,356
−HK$2,922/mo
Today · 4.125%
HK$98,278
baseline
▲ 0.50% · 4.625%
HK$104,258
+HK$5,980/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,556/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,882
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,641
−HK$2,799/mo
Today · 4.125%
HK$108,440
baseline
▲ 0.50% · 4.625%
HK$114,156
+HK$5,716/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,880/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,582 · Scale 2, in force from 26 Feb 2026)