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$51,532
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,135
−HK$1,629/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$58,096
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,329
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,559/mo
Today · 4.125%
HK$60,426
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,852/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,839
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,955/mo
Today · 4.125%
HK$65,717
baseline
▲ 0.50% · 4.625%
HK$69,715
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,434/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,640
−HK$1,872/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,145
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$2,280/mo
Today · 4.125%
HK$76,669
baseline
▲ 0.50% · 4.625%
HK$81,334
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,338/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,261
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,413
−HK$2,184/mo
Today · 4.125%
HK$84,597
baseline
▲ 0.50% · 4.625%
HK$89,056
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,194/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,758
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,643
−HK$2,932/mo
Today · 4.125%
HK$98,575
baseline
▲ 0.50% · 4.625%
HK$104,573
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,150/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,192
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,960
−HK$2,808/mo
Today · 4.125%
HK$108,768
baseline
▲ 0.50% · 4.625%
HK$114,501
+HK$5,733/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,536/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,472 · Scale 2, in force from 26 Feb 2026)