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$51,379
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,624/mo
Today · 4.125%
HK$54,601
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$3,322/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,202/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,159
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$58,692
−HK$1,555/mo
Today · 4.125%
HK$60,247
baseline
▲ 0.50% · 4.625%
HK$63,423
+HK$3,176/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,494/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,655
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,573
−HK$1,948/mo
Today · 4.125%
HK$65,521
baseline
▲ 0.50% · 4.625%
HK$69,508
+HK$3,987/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,042/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,591
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,430
−HK$1,866/mo
Today · 4.125%
HK$72,296
baseline
▲ 0.50% · 4.625%
HK$76,107
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,592/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,931
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,168
−HK$2,273/mo
Today · 4.125%
HK$76,441
baseline
▲ 0.50% · 4.625%
HK$81,093
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,882/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,022
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,168
−HK$2,178/mo
Today · 4.125%
HK$84,346
baseline
▲ 0.50% · 4.625%
HK$88,792
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,692/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,482
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,359
−HK$2,923/mo
Today · 4.125%
HK$98,282
baseline
▲ 0.50% · 4.625%
HK$104,262
+HK$5,980/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,564/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,886
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,645
−HK$2,799/mo
Today · 4.125%
HK$108,444
baseline
▲ 0.50% · 4.625%
HK$114,161
+HK$5,717/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,888/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,618 · Scale 2, in force from 26 Feb 2026)