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$51,371
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,969
−HK$1,624/mo
Today · 4.125%
HK$54,593
baseline
▲ 0.50% · 4.625%
HK$57,914
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,186/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,150
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,683
−HK$1,554/mo
Today · 4.125%
HK$60,237
baseline
▲ 0.50% · 4.625%
HK$63,413
+HK$3,176/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,474/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,948/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,580
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,419
−HK$1,866/mo
Today · 4.125%
HK$72,285
baseline
▲ 0.50% · 4.625%
HK$76,095
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,570/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,920
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,157
−HK$2,273/mo
Today · 4.125%
HK$76,430
baseline
▲ 0.50% · 4.625%
HK$81,080
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,860/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,010
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,156
−HK$2,176/mo
Today · 4.125%
HK$84,332
baseline
▲ 0.50% · 4.625%
HK$88,778
+HK$4,446/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,664/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,468
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,344
−HK$2,923/mo
Today · 4.125%
HK$98,267
baseline
▲ 0.50% · 4.625%
HK$104,246
+HK$5,979/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,534/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,870
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,629
−HK$2,798/mo
Today · 4.125%
HK$108,427
baseline
▲ 0.50% · 4.625%
HK$114,143
+HK$5,716/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,854/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,468 · Scale 2, in force from 26 Feb 2026)