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$51,415
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,625/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,964
+HK$3,325/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,733
−HK$1,556/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,467
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,698
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,617
−HK$1,950/mo
Today · 4.125%
HK$65,567
baseline
▲ 0.50% · 4.625%
HK$69,557
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,134/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$1,868/mo
Today · 4.125%
HK$72,347
baseline
▲ 0.50% · 4.625%
HK$76,160
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,694/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,981
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,220
−HK$2,275/mo
Today · 4.125%
HK$76,495
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,990/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,078
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,226
−HK$2,179/mo
Today · 4.125%
HK$84,405
baseline
▲ 0.50% · 4.625%
HK$88,854
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,810/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,547
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,925/mo
Today · 4.125%
HK$98,351
baseline
▲ 0.50% · 4.625%
HK$104,335
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,702/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,958
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,719
−HK$2,801/mo
Today · 4.125%
HK$108,520
baseline
▲ 0.50% · 4.625%
HK$114,240
+HK$5,720/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,040/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,287 · Scale 2, in force from 26 Feb 2026)