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$51,543
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,146
−HK$1,629/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$58,108
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,341
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,879
−HK$1,560/mo
Today · 4.125%
HK$60,439
baseline
▲ 0.50% · 4.625%
HK$63,625
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,878/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,954/mo
Today · 4.125%
HK$65,730
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,460/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$1,872/mo
Today · 4.125%
HK$72,527
baseline
▲ 0.50% · 4.625%
HK$76,350
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,054/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,160
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,405
−HK$2,281/mo
Today · 4.125%
HK$76,686
baseline
▲ 0.50% · 4.625%
HK$81,352
+HK$4,666/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,372/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,278
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,431
−HK$2,184/mo
Today · 4.125%
HK$84,615
baseline
▲ 0.50% · 4.625%
HK$89,075
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,230/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,778
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,664
−HK$2,932/mo
Today · 4.125%
HK$98,596
baseline
▲ 0.50% · 4.625%
HK$104,595
+HK$5,999/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,192/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,214
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,982
−HK$2,809/mo
Today · 4.125%
HK$108,791
baseline
▲ 0.50% · 4.625%
HK$114,525
+HK$5,734/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,582/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,675 · Scale 2, in force from 26 Feb 2026)