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$51,360
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,623/mo
Today · 4.125%
HK$54,581
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,162/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,138
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,670
−HK$1,555/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,399
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,632
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,550
−HK$1,947/mo
Today · 4.125%
HK$65,497
baseline
▲ 0.50% · 4.625%
HK$69,483
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,994/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$1,866/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,079
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,905
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,141
−HK$2,273/mo
Today · 4.125%
HK$76,414
baseline
▲ 0.50% · 4.625%
HK$81,063
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,828/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,993
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,138
−HK$2,177/mo
Today · 4.125%
HK$84,315
baseline
▲ 0.50% · 4.625%
HK$88,759
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,630/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,449
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,324
−HK$2,922/mo
Today · 4.125%
HK$98,246
baseline
▲ 0.50% · 4.625%
HK$104,224
+HK$5,978/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,492/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,848
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,607
−HK$2,798/mo
Today · 4.125%
HK$108,405
baseline
▲ 0.50% · 4.625%
HK$114,119
+HK$5,714/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,810/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,269 · Scale 2, in force from 26 Feb 2026)