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$51,343
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,623/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,651
−HK$1,554/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,528
−HK$1,948/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$69,460
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,543
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,381
−HK$1,865/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$2,272/mo
Today · 4.125%
HK$76,388
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,648/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,776/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,111
−HK$2,176/mo
Today · 4.125%
HK$84,287
baseline
▲ 0.50% · 4.625%
HK$88,730
+HK$4,443/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,574/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,418
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,293
−HK$2,920/mo
Today · 4.125%
HK$98,213
baseline
▲ 0.50% · 4.625%
HK$104,189
+HK$5,976/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,426/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,814
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,571
−HK$2,798/mo
Today · 4.125%
HK$108,369
baseline
▲ 0.50% · 4.625%
HK$114,081
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,738/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,949 · Scale 2, in force from 26 Feb 2026)