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$51,334
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,622/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,872
+HK$3,319/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,108
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,640
−HK$1,554/mo
Today · 4.125%
HK$60,194
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,388/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,601
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,517
−HK$1,947/mo
Today · 4.125%
HK$65,464
baseline
▲ 0.50% · 4.625%
HK$69,447
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,928/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,368
−HK$1,865/mo
Today · 4.125%
HK$72,233
baseline
▲ 0.50% · 4.625%
HK$76,040
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,466/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,103
−HK$2,271/mo
Today · 4.125%
HK$76,374
baseline
▲ 0.50% · 4.625%
HK$81,021
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,748/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,952
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,096
−HK$2,175/mo
Today · 4.125%
HK$84,271
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,542/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,401
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,275
−HK$2,920/mo
Today · 4.125%
HK$98,195
baseline
▲ 0.50% · 4.625%
HK$104,170
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,390/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,795
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,552
−HK$2,797/mo
Today · 4.125%
HK$108,349
baseline
▲ 0.50% · 4.625%
HK$114,060
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,698/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,775 · Scale 2, in force from 26 Feb 2026)