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$51,335
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,622/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,874
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,110
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,554/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,368
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,602
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,518
−HK$1,947/mo
Today · 4.125%
HK$65,465
baseline
▲ 0.50% · 4.625%
HK$69,448
+HK$3,983/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,930/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,532
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,370
−HK$1,864/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,042
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,869
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,105
−HK$2,271/mo
Today · 4.125%
HK$76,376
baseline
▲ 0.50% · 4.625%
HK$81,023
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,752/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,954
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,098
−HK$2,175/mo
Today · 4.125%
HK$84,273
baseline
▲ 0.50% · 4.625%
HK$88,715
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,546/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,403
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,277
−HK$2,921/mo
Today · 4.125%
HK$98,198
baseline
▲ 0.50% · 4.625%
HK$104,173
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,396/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,798
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,555
−HK$2,796/mo
Today · 4.125%
HK$108,351
baseline
▲ 0.50% · 4.625%
HK$114,063
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,702/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,797 · Scale 2, in force from 26 Feb 2026)