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$51,398
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,997
−HK$1,624/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,945
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,713
−HK$1,556/mo
Today · 4.125%
HK$60,269
baseline
▲ 0.50% · 4.625%
HK$63,446
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,538/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,596
−HK$1,949/mo
Today · 4.125%
HK$65,545
baseline
▲ 0.50% · 4.625%
HK$69,534
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$131,090/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,616
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,456
−HK$1,867/mo
Today · 4.125%
HK$72,323
baseline
▲ 0.50% · 4.625%
HK$76,135
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$144,646/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,957
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,196
−HK$2,274/mo
Today · 4.125%
HK$76,470
baseline
▲ 0.50% · 4.625%
HK$81,123
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,940/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,052
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,199
−HK$2,178/mo
Today · 4.125%
HK$84,377
baseline
▲ 0.50% · 4.625%
HK$88,824
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,754/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,517
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,394
−HK$2,924/mo
Today · 4.125%
HK$98,318
baseline
▲ 0.50% · 4.625%
HK$104,301
+HK$5,983/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,636/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,924
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,684
−HK$2,800/mo
Today · 4.125%
HK$108,484
baseline
▲ 0.50% · 4.625%
HK$114,203
+HK$5,719/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,968/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,972 · Scale 2, in force from 26 Feb 2026)