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$51,355
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,953
−HK$1,623/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,896
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,132
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,664
−HK$1,555/mo
Today · 4.125%
HK$60,219
baseline
▲ 0.50% · 4.625%
HK$63,393
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,438/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,626
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,543
−HK$1,948/mo
Today · 4.125%
HK$65,491
baseline
▲ 0.50% · 4.625%
HK$69,476
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,982/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,397
−HK$1,865/mo
Today · 4.125%
HK$72,262
baseline
▲ 0.50% · 4.625%
HK$76,072
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,524/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,897
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,134
−HK$2,272/mo
Today · 4.125%
HK$76,406
baseline
▲ 0.50% · 4.625%
HK$81,055
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,812/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,985
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,130
−HK$2,176/mo
Today · 4.125%
HK$84,306
baseline
▲ 0.50% · 4.625%
HK$88,750
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,612/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,439
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,315
−HK$2,921/mo
Today · 4.125%
HK$98,236
baseline
▲ 0.50% · 4.625%
HK$104,213
+HK$5,977/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,472/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,838
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,596
−HK$2,798/mo
Today · 4.125%
HK$108,394
baseline
▲ 0.50% · 4.625%
HK$114,107
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,788/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,170 · Scale 2, in force from 26 Feb 2026)