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$51,374
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,624/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,918
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,153
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,555/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,416
+HK$3,175/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,649
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,567
−HK$1,948/mo
Today · 4.125%
HK$65,515
baseline
▲ 0.50% · 4.625%
HK$69,501
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,030/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,584
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$1,866/mo
Today · 4.125%
HK$72,289
baseline
▲ 0.50% · 4.625%
HK$76,100
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,578/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,924
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,161
−HK$2,273/mo
Today · 4.125%
HK$76,434
baseline
▲ 0.50% · 4.625%
HK$81,085
+HK$4,651/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,868/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,015
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,161
−HK$2,177/mo
Today · 4.125%
HK$84,338
baseline
▲ 0.50% · 4.625%
HK$88,783
+HK$4,445/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,676/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,474
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,350
−HK$2,922/mo
Today · 4.125%
HK$98,272
baseline
▲ 0.50% · 4.625%
HK$104,252
+HK$5,980/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,544/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,876
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,635
−HK$2,799/mo
Today · 4.125%
HK$108,434
baseline
▲ 0.50% · 4.625%
HK$114,150
+HK$5,716/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,868/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,526 · Scale 2, in force from 26 Feb 2026)