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$3,232/mo
▼ 0.25% · 3.875%
HK$53,138
−HK$1,629/mo
Today · 4.125%
HK$54,767
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,534/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,333
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,560/mo
Today · 4.125%
HK$60,430
baseline
▲ 0.50% · 4.625%
HK$63,615
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,860/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,842
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,954/mo
Today · 4.125%
HK$65,720
baseline
▲ 0.50% · 4.625%
HK$69,719
+HK$3,999/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,440/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,799
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$1,872/mo
Today · 4.125%
HK$72,516
baseline
▲ 0.50% · 4.625%
HK$76,338
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,032/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,149
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,394
−HK$2,280/mo
Today · 4.125%
HK$76,674
baseline
▲ 0.50% · 4.625%
HK$81,339
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,348/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,266
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,418
−HK$2,184/mo
Today · 4.125%
HK$84,602
baseline
▲ 0.50% · 4.625%
HK$89,062
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,204/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,649
−HK$2,932/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$104,579
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,199
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,966
−HK$2,808/mo
Today · 4.125%
HK$108,774
baseline
▲ 0.50% · 4.625%
HK$114,508
+HK$5,734/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,548/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,529 · Scale 2, in force from 26 Feb 2026)