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$51,352
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,949
−HK$1,623/mo
Today · 4.125%
HK$54,572
baseline
▲ 0.50% · 4.625%
HK$57,892
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,144/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,128
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,660
−HK$1,555/mo
Today · 4.125%
HK$60,215
baseline
▲ 0.50% · 4.625%
HK$63,389
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,430/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,622
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,539
−HK$1,947/mo
Today · 4.125%
HK$65,486
baseline
▲ 0.50% · 4.625%
HK$69,471
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,972/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,554
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,392
−HK$1,866/mo
Today · 4.125%
HK$72,258
baseline
▲ 0.50% · 4.625%
HK$76,066
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,516/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,892
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,129
−HK$2,272/mo
Today · 4.125%
HK$76,401
baseline
▲ 0.50% · 4.625%
HK$81,049
+HK$4,648/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$152,802/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,979
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,124
−HK$2,176/mo
Today · 4.125%
HK$84,300
baseline
▲ 0.50% · 4.625%
HK$88,744
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$168,600/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,433
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,308
−HK$2,921/mo
Today · 4.125%
HK$98,229
baseline
▲ 0.50% · 4.625%
HK$104,206
+HK$5,977/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,458/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,831
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,589
−HK$2,797/mo
Today · 4.125%
HK$108,386
baseline
▲ 0.50% · 4.625%
HK$114,099
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,772/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,105 · Scale 2, in force from 26 Feb 2026)