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$51,540
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,143
−HK$1,629/mo
Today · 4.125%
HK$54,772
baseline
▲ 0.50% · 4.625%
HK$58,105
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,544/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,338
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,876
−HK$1,560/mo
Today · 4.125%
HK$60,436
baseline
▲ 0.50% · 4.625%
HK$63,621
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,872/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,848
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,772
−HK$1,955/mo
Today · 4.125%
HK$65,727
baseline
▲ 0.50% · 4.625%
HK$69,726
+HK$3,999/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,454/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,806
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,651
−HK$1,872/mo
Today · 4.125%
HK$72,523
baseline
▲ 0.50% · 4.625%
HK$76,346
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,046/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,156
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,401
−HK$2,280/mo
Today · 4.125%
HK$76,681
baseline
▲ 0.50% · 4.625%
HK$81,347
+HK$4,666/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,362/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,273
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,426
−HK$2,184/mo
Today · 4.125%
HK$84,610
baseline
▲ 0.50% · 4.625%
HK$89,070
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,220/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,772
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,658
−HK$2,932/mo
Today · 4.125%
HK$98,590
baseline
▲ 0.50% · 4.625%
HK$104,589
+HK$5,999/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,180/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,208
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,976
−HK$2,808/mo
Today · 4.125%
HK$108,784
baseline
▲ 0.50% · 4.625%
HK$114,519
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,568/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,620 · Scale 2, in force from 26 Feb 2026)