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$51,410
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,009
−HK$1,625/mo
Today · 4.125%
HK$54,634
baseline
▲ 0.50% · 4.625%
HK$57,958
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,268/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,193
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,727
−HK$1,556/mo
Today · 4.125%
HK$60,283
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,566/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,692
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,611
−HK$1,949/mo
Today · 4.125%
HK$65,560
baseline
▲ 0.50% · 4.625%
HK$69,549
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,120/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,631
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,472
−HK$1,867/mo
Today · 4.125%
HK$72,339
baseline
▲ 0.50% · 4.625%
HK$76,152
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,678/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,974
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,212
−HK$2,275/mo
Today · 4.125%
HK$76,487
baseline
▲ 0.50% · 4.625%
HK$81,141
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,974/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,070
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,217
−HK$2,179/mo
Today · 4.125%
HK$84,396
baseline
▲ 0.50% · 4.625%
HK$88,844
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,792/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,537
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,416
−HK$2,924/mo
Today · 4.125%
HK$98,340
baseline
▲ 0.50% · 4.625%
HK$104,324
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,680/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,947
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,708
−HK$2,801/mo
Today · 4.125%
HK$108,509
baseline
▲ 0.50% · 4.625%
HK$114,229
+HK$5,720/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,018/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,188 · Scale 2, in force from 26 Feb 2026)