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$51,387
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,985
−HK$1,624/mo
Today · 4.125%
HK$54,609
baseline
▲ 0.50% · 4.625%
HK$57,932
+HK$3,323/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,218/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,168
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,701
−HK$1,555/mo
Today · 4.125%
HK$60,256
baseline
▲ 0.50% · 4.625%
HK$63,432
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,512/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,664
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,583
−HK$1,948/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$69,519
+HK$3,988/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,601
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,441
−HK$1,866/mo
Today · 4.125%
HK$72,307
baseline
▲ 0.50% · 4.625%
HK$76,119
+HK$3,812/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,614/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,942
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,180
−HK$2,273/mo
Today · 4.125%
HK$76,453
baseline
▲ 0.50% · 4.625%
HK$81,105
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,906/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,035
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,181
−HK$2,178/mo
Today · 4.125%
HK$84,359
baseline
▲ 0.50% · 4.625%
HK$88,805
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,718/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,497
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,374
−HK$2,923/mo
Today · 4.125%
HK$98,297
baseline
▲ 0.50% · 4.625%
HK$104,278
+HK$5,981/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,594/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,902
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,661
−HK$2,800/mo
Today · 4.125%
HK$108,461
baseline
▲ 0.50% · 4.625%
HK$114,178
+HK$5,717/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,922/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,764 · Scale 2, in force from 26 Feb 2026)