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$51,535
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,138
−HK$1,628/mo
Today · 4.125%
HK$54,766
baseline
▲ 0.50% · 4.625%
HK$58,099
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,532/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,332
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,869
−HK$1,560/mo
Today · 4.125%
HK$60,429
baseline
▲ 0.50% · 4.625%
HK$63,614
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,858/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,841
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,765
−HK$1,954/mo
Today · 4.125%
HK$65,719
baseline
▲ 0.50% · 4.625%
HK$69,718
+HK$3,999/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,438/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,798
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,643
−HK$1,872/mo
Today · 4.125%
HK$72,515
baseline
▲ 0.50% · 4.625%
HK$76,337
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,030/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,148
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,393
−HK$2,280/mo
Today · 4.125%
HK$76,673
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,346/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,264
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,417
−HK$2,184/mo
Today · 4.125%
HK$84,601
baseline
▲ 0.50% · 4.625%
HK$89,060
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,202/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,762
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,648
−HK$2,931/mo
Today · 4.125%
HK$98,579
baseline
▲ 0.50% · 4.625%
HK$104,578
+HK$5,999/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,158/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,197
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,965
−HK$2,807/mo
Today · 4.125%
HK$108,772
baseline
▲ 0.50% · 4.625%
HK$114,506
+HK$5,734/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,544/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,515 · Scale 2, in force from 26 Feb 2026)