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$51,353
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,950
−HK$1,623/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,894
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,129
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,554/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,390
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,540
−HK$1,948/mo
Today · 4.125%
HK$65,488
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,976/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,394
−HK$1,865/mo
Today · 4.125%
HK$72,259
baseline
▲ 0.50% · 4.625%
HK$76,068
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,518/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,894
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,130
−HK$2,272/mo
Today · 4.125%
HK$76,402
baseline
▲ 0.50% · 4.625%
HK$81,051
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$152,804/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,981
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,126
−HK$2,176/mo
Today · 4.125%
HK$84,302
baseline
▲ 0.50% · 4.625%
HK$88,746
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$168,604/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,435
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,310
−HK$2,922/mo
Today · 4.125%
HK$98,232
baseline
▲ 0.50% · 4.625%
HK$104,209
+HK$5,977/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,464/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,833
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,591
−HK$2,798/mo
Today · 4.125%
HK$108,389
baseline
▲ 0.50% · 4.625%
HK$114,102
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,778/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,127 · Scale 2, in force from 26 Feb 2026)