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$51,556
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,160
−HK$1,629/mo
Today · 4.125%
HK$54,789
baseline
▲ 0.50% · 4.625%
HK$58,123
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,578/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,894
−HK$1,560/mo
Today · 4.125%
HK$60,454
baseline
▲ 0.50% · 4.625%
HK$63,641
+HK$3,187/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,908/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,867
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,792
−HK$1,955/mo
Today · 4.125%
HK$65,747
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$131,494/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$1,873/mo
Today · 4.125%
HK$72,545
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$145,090/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,178
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,423
−HK$2,282/mo
Today · 4.125%
HK$76,705
baseline
▲ 0.50% · 4.625%
HK$81,372
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,410/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,298
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,451
−HK$2,185/mo
Today · 4.125%
HK$84,636
baseline
▲ 0.50% · 4.625%
HK$89,097
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,272/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,801
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,687
−HK$2,933/mo
Today · 4.125%
HK$98,620
baseline
▲ 0.50% · 4.625%
HK$104,621
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,240/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,240
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,009
−HK$2,809/mo
Today · 4.125%
HK$108,818
baseline
▲ 0.50% · 4.625%
HK$114,554
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,636/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,913 · Scale 2, in force from 26 Feb 2026)