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$51,528
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,629/mo
Today · 4.125%
HK$54,760
baseline
▲ 0.50% · 4.625%
HK$58,092
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,520/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,325
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,862
−HK$1,560/mo
Today · 4.125%
HK$60,422
baseline
▲ 0.50% · 4.625%
HK$63,607
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,844/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,758
−HK$1,954/mo
Today · 4.125%
HK$65,712
baseline
▲ 0.50% · 4.625%
HK$69,710
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,424/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,790
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,635
−HK$1,871/mo
Today · 4.125%
HK$72,506
baseline
▲ 0.50% · 4.625%
HK$76,328
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,012/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,140
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,384
−HK$2,280/mo
Today · 4.125%
HK$76,664
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,328/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,255
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,407
−HK$2,184/mo
Today · 4.125%
HK$84,591
baseline
▲ 0.50% · 4.625%
HK$89,050
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,182/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,751
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,636
−HK$2,932/mo
Today · 4.125%
HK$98,568
baseline
▲ 0.50% · 4.625%
HK$104,565
+HK$5,997/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,136/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,185
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,952
−HK$2,808/mo
Today · 4.125%
HK$108,760
baseline
▲ 0.50% · 4.625%
HK$114,492
+HK$5,732/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,520/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,401 · Scale 2, in force from 26 Feb 2026)