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$51,338
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,935
−HK$1,622/mo
Today · 4.125%
HK$54,557
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,114/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,113
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,644
−HK$1,554/mo
Today · 4.125%
HK$60,198
baseline
▲ 0.50% · 4.625%
HK$63,371
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,396/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,605
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,522
−HK$1,946/mo
Today · 4.125%
HK$65,468
baseline
▲ 0.50% · 4.625%
HK$69,452
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,936/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,535
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,373
−HK$1,865/mo
Today · 4.125%
HK$72,238
baseline
▲ 0.50% · 4.625%
HK$76,046
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,476/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,873
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,108
−HK$2,272/mo
Today · 4.125%
HK$76,380
baseline
▲ 0.50% · 4.625%
HK$81,027
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,760/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,958
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,102
−HK$2,176/mo
Today · 4.125%
HK$84,278
baseline
▲ 0.50% · 4.625%
HK$88,720
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,556/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,408
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,282
−HK$2,921/mo
Today · 4.125%
HK$98,203
baseline
▲ 0.50% · 4.625%
HK$104,178
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,406/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,803
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,560
−HK$2,797/mo
Today · 4.125%
HK$108,357
baseline
▲ 0.50% · 4.625%
HK$114,069
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,714/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,846 · Scale 2, in force from 26 Feb 2026)