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$51,375
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,973
−HK$1,624/mo
Today · 4.125%
HK$54,597
baseline
▲ 0.50% · 4.625%
HK$57,919
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,194/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,687
−HK$1,555/mo
Today · 4.125%
HK$60,242
baseline
▲ 0.50% · 4.625%
HK$63,418
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,484/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,650
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,568
−HK$1,948/mo
Today · 4.125%
HK$65,516
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,987/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,032/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,585
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,425
−HK$1,866/mo
Today · 4.125%
HK$72,291
baseline
▲ 0.50% · 4.625%
HK$76,101
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,582/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,925
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,162
−HK$2,274/mo
Today · 4.125%
HK$76,436
baseline
▲ 0.50% · 4.625%
HK$81,086
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,872/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,016
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,162
−HK$2,177/mo
Today · 4.125%
HK$84,339
baseline
▲ 0.50% · 4.625%
HK$88,785
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,678/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,475
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,922/mo
Today · 4.125%
HK$98,274
baseline
▲ 0.50% · 4.625%
HK$104,254
+HK$5,980/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,548/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,878
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,637
−HK$2,799/mo
Today · 4.125%
HK$108,436
baseline
▲ 0.50% · 4.625%
HK$114,152
+HK$5,716/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,872/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,543 · Scale 2, in force from 26 Feb 2026)