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$51,337
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,933
−HK$1,623/mo
Today · 4.125%
HK$54,556
baseline
▲ 0.50% · 4.625%
HK$57,875
+HK$3,319/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,112/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,111
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,643
−HK$1,554/mo
Today · 4.125%
HK$60,197
baseline
▲ 0.50% · 4.625%
HK$63,370
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,394/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,604
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,520
−HK$1,947/mo
Today · 4.125%
HK$65,467
baseline
▲ 0.50% · 4.625%
HK$69,451
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,934/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,534
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,372
−HK$1,864/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,044
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,107
−HK$2,271/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$81,026
+HK$4,648/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,956
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,100
−HK$2,176/mo
Today · 4.125%
HK$84,276
baseline
▲ 0.50% · 4.625%
HK$88,718
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,552/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,406
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,280
−HK$2,921/mo
Today · 4.125%
HK$98,201
baseline
▲ 0.50% · 4.625%
HK$104,176
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,402/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,801
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,558
−HK$2,797/mo
Today · 4.125%
HK$108,355
baseline
▲ 0.50% · 4.625%
HK$114,066
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,710/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,825 · Scale 2, in force from 26 Feb 2026)