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$51,530
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,133
−HK$1,628/mo
Today · 4.125%
HK$54,761
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,522/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,327
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,864
−HK$1,560/mo
Today · 4.125%
HK$60,424
baseline
▲ 0.50% · 4.625%
HK$63,609
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,848/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,759
−HK$1,955/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$1,871/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,330
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,142
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,386
−HK$2,280/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$81,331
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,410
−HK$2,183/mo
Today · 4.125%
HK$84,593
baseline
▲ 0.50% · 4.625%
HK$89,052
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,186/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,754
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,639
−HK$2,931/mo
Today · 4.125%
HK$98,570
baseline
▲ 0.50% · 4.625%
HK$104,568
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,140/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,188
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,955
−HK$2,808/mo
Today · 4.125%
HK$108,763
baseline
▲ 0.50% · 4.625%
HK$114,496
+HK$5,733/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,526/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,428 · Scale 2, in force from 26 Feb 2026)