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$51,520
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,628/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$58,082
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,315
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,853
−HK$1,559/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,824
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,747
−HK$1,954/mo
Today · 4.125%
HK$65,701
baseline
▲ 0.50% · 4.625%
HK$69,699
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,402/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,779
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,623
−HK$1,871/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,316
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,128
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,372
−HK$2,279/mo
Today · 4.125%
HK$76,651
baseline
▲ 0.50% · 4.625%
HK$81,315
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,302/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,242
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,183/mo
Today · 4.125%
HK$84,577
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,154/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,736
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,621
−HK$2,930/mo
Today · 4.125%
HK$98,551
baseline
▲ 0.50% · 4.625%
HK$104,548
+HK$5,997/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,102/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,168
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,935
−HK$2,807/mo
Today · 4.125%
HK$108,742
baseline
▲ 0.50% · 4.625%
HK$114,474
+HK$5,732/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,484/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,243 · Scale 2, in force from 26 Feb 2026)