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$51,338
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,935
−HK$1,623/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$3,319/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,113
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,645
−HK$1,554/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,372
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,606
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,522
−HK$1,947/mo
Today · 4.125%
HK$65,469
baseline
▲ 0.50% · 4.625%
HK$69,453
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,938/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,536
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,374
−HK$1,865/mo
Today · 4.125%
HK$72,239
baseline
▲ 0.50% · 4.625%
HK$76,047
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,478/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,874
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,109
−HK$2,272/mo
Today · 4.125%
HK$76,381
baseline
▲ 0.50% · 4.625%
HK$81,028
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,762/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,959
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,103
−HK$2,176/mo
Today · 4.125%
HK$84,279
baseline
▲ 0.50% · 4.625%
HK$88,721
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,558/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,409
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,284
−HK$2,920/mo
Today · 4.125%
HK$98,204
baseline
▲ 0.50% · 4.625%
HK$104,179
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,408/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,804
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,561
−HK$2,797/mo
Today · 4.125%
HK$108,358
baseline
▲ 0.50% · 4.625%
HK$114,070
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,716/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,858 · Scale 2, in force from 26 Feb 2026)