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$51,521
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,628/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,316
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,853
−HK$1,560/mo
Today · 4.125%
HK$60,413
baseline
▲ 0.50% · 4.625%
HK$63,597
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,826/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,825
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,748
−HK$1,954/mo
Today · 4.125%
HK$65,702
baseline
▲ 0.50% · 4.625%
HK$69,699
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,404/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,779
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,624
−HK$1,871/mo
Today · 4.125%
HK$72,495
baseline
▲ 0.50% · 4.625%
HK$76,317
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,990/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,129
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,372
−HK$2,280/mo
Today · 4.125%
HK$76,652
baseline
▲ 0.50% · 4.625%
HK$81,316
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,304/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,243
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,183/mo
Today · 4.125%
HK$84,578
baseline
▲ 0.50% · 4.625%
HK$89,036
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,156/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,737
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,622
−HK$2,931/mo
Today · 4.125%
HK$98,553
baseline
▲ 0.50% · 4.625%
HK$104,549
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,106/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,169
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,936
−HK$2,807/mo
Today · 4.125%
HK$108,743
baseline
▲ 0.50% · 4.625%
HK$114,475
+HK$5,732/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,486/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,254 · Scale 2, in force from 26 Feb 2026)