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$51,544
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,148
−HK$1,629/mo
Today · 4.125%
HK$54,777
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,554/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,343
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,881
−HK$1,560/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$63,627
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,853
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,777
−HK$1,955/mo
Today · 4.125%
HK$65,732
baseline
▲ 0.50% · 4.625%
HK$69,732
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,464/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,811
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,657
−HK$1,872/mo
Today · 4.125%
HK$72,529
baseline
▲ 0.50% · 4.625%
HK$76,352
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,058/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,162
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,407
−HK$2,280/mo
Today · 4.125%
HK$76,687
baseline
▲ 0.50% · 4.625%
HK$81,354
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,374/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,280
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,433
−HK$2,184/mo
Today · 4.125%
HK$84,617
baseline
▲ 0.50% · 4.625%
HK$89,077
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,234/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,780
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,666
−HK$2,932/mo
Today · 4.125%
HK$98,598
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$5,999/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,196/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,217
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,985
−HK$2,808/mo
Today · 4.125%
HK$108,793
baseline
▲ 0.50% · 4.625%
HK$114,528
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,586/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,698 · Scale 2, in force from 26 Feb 2026)