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$51,538
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,141
−HK$1,629/mo
Today · 4.125%
HK$54,770
baseline
▲ 0.50% · 4.625%
HK$58,102
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,540/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,335
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,873
−HK$1,560/mo
Today · 4.125%
HK$60,433
baseline
▲ 0.50% · 4.625%
HK$63,619
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,866/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,846
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,769
−HK$1,955/mo
Today · 4.125%
HK$65,724
baseline
▲ 0.50% · 4.625%
HK$69,723
+HK$3,999/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,448/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,803
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,648
−HK$1,872/mo
Today · 4.125%
HK$72,520
baseline
▲ 0.50% · 4.625%
HK$76,342
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,040/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,153
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$2,281/mo
Today · 4.125%
HK$76,678
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,356/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,270
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,422
−HK$2,184/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,066
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,768
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,654
−HK$2,932/mo
Today · 4.125%
HK$98,586
baseline
▲ 0.50% · 4.625%
HK$104,584
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,172/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,204
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,972
−HK$2,808/mo
Today · 4.125%
HK$108,780
baseline
▲ 0.50% · 4.625%
HK$114,513
+HK$5,733/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,560/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,578 · Scale 2, in force from 26 Feb 2026)