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$51,366
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,964
−HK$1,624/mo
Today · 4.125%
HK$54,588
baseline
▲ 0.50% · 4.625%
HK$57,909
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,176/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,145
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,677
−HK$1,555/mo
Today · 4.125%
HK$60,232
baseline
▲ 0.50% · 4.625%
HK$63,407
+HK$3,175/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,464/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,640
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,557
−HK$1,948/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$69,491
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,574
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,413
−HK$1,865/mo
Today · 4.125%
HK$72,278
baseline
▲ 0.50% · 4.625%
HK$76,088
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,556/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,913
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$2,273/mo
Today · 4.125%
HK$76,423
baseline
▲ 0.50% · 4.625%
HK$81,073
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,846/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,002
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,148
−HK$2,177/mo
Today · 4.125%
HK$84,325
baseline
▲ 0.50% · 4.625%
HK$88,770
+HK$4,445/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,650/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,460
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,336
−HK$2,922/mo
Today · 4.125%
HK$98,258
baseline
▲ 0.50% · 4.625%
HK$104,236
+HK$5,978/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,516/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,860
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,619
−HK$2,799/mo
Today · 4.125%
HK$108,418
baseline
▲ 0.50% · 4.625%
HK$114,132
+HK$5,714/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,836/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,381 · Scale 2, in force from 26 Feb 2026)