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$51,518
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,120
−HK$1,628/mo
Today · 4.125%
HK$54,748
baseline
▲ 0.50% · 4.625%
HK$58,079
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,496/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,313
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,850
−HK$1,559/mo
Today · 4.125%
HK$60,409
baseline
▲ 0.50% · 4.625%
HK$63,593
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,818/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,821
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,954/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,695
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,775
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,620
−HK$1,871/mo
Today · 4.125%
HK$72,491
baseline
▲ 0.50% · 4.625%
HK$76,312
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,982/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,125
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$2,279/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$81,311
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,238
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,390
−HK$2,183/mo
Today · 4.125%
HK$84,573
baseline
▲ 0.50% · 4.625%
HK$89,031
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,146/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,732
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,616
−HK$2,931/mo
Today · 4.125%
HK$98,547
baseline
▲ 0.50% · 4.625%
HK$104,543
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,094/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,163
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,930
−HK$2,807/mo
Today · 4.125%
HK$108,737
baseline
▲ 0.50% · 4.625%
HK$114,468
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,474/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,198 · Scale 2, in force from 26 Feb 2026)