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$51,519
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,628/mo
Today · 4.125%
HK$54,750
baseline
▲ 0.50% · 4.625%
HK$58,081
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,500/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,314
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,851
−HK$1,560/mo
Today · 4.125%
HK$60,411
baseline
▲ 0.50% · 4.625%
HK$63,595
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,822/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,823
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,746
−HK$1,954/mo
Today · 4.125%
HK$65,700
baseline
▲ 0.50% · 4.625%
HK$69,697
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,400/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,777
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,622
−HK$1,871/mo
Today · 4.125%
HK$72,493
baseline
▲ 0.50% · 4.625%
HK$76,314
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,986/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,127
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,370
−HK$2,280/mo
Today · 4.125%
HK$76,650
baseline
▲ 0.50% · 4.625%
HK$81,313
+HK$4,663/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,300/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,240
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,392
−HK$2,183/mo
Today · 4.125%
HK$84,575
baseline
▲ 0.50% · 4.625%
HK$89,033
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,150/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,734
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,619
−HK$2,930/mo
Today · 4.125%
HK$98,549
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,997/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,098/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,166
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,933
−HK$2,807/mo
Today · 4.125%
HK$108,740
baseline
▲ 0.50% · 4.625%
HK$114,471
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,480/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,224 · Scale 2, in force from 26 Feb 2026)