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$51,348
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,623/mo
Today · 4.125%
HK$54,568
baseline
▲ 0.50% · 4.625%
HK$57,889
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,136/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,124
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,555/mo
Today · 4.125%
HK$60,211
baseline
▲ 0.50% · 4.625%
HK$63,384
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,422/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,618
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,534
−HK$1,948/mo
Today · 4.125%
HK$65,482
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,964/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,388
−HK$1,865/mo
Today · 4.125%
HK$72,253
baseline
▲ 0.50% · 4.625%
HK$76,061
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,506/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,887
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,124
−HK$2,271/mo
Today · 4.125%
HK$76,395
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$152,790/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,119
−HK$2,176/mo
Today · 4.125%
HK$84,295
baseline
▲ 0.50% · 4.625%
HK$88,738
+HK$4,443/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$168,590/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,427
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,302
−HK$2,921/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$104,199
+HK$5,976/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,824
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,581
−HK$2,798/mo
Today · 4.125%
HK$108,379
baseline
▲ 0.50% · 4.625%
HK$114,092
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,758/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,041 · Scale 2, in force from 26 Feb 2026)