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$51,397
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,996
−HK$1,624/mo
Today · 4.125%
HK$54,620
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,240/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,179
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,713
−HK$1,555/mo
Today · 4.125%
HK$60,268
baseline
▲ 0.50% · 4.625%
HK$63,445
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,536/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,677
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,595
−HK$1,949/mo
Today · 4.125%
HK$65,544
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$131,088/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,615
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,455
−HK$1,867/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,134
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,956
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,195
−HK$2,274/mo
Today · 4.125%
HK$76,469
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,652/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,938/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,051
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,198
−HK$2,178/mo
Today · 4.125%
HK$84,376
baseline
▲ 0.50% · 4.625%
HK$88,823
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,752/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,515
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,393
−HK$2,924/mo
Today · 4.125%
HK$98,317
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,982/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,634/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,922
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,683
−HK$2,800/mo
Today · 4.125%
HK$108,483
baseline
▲ 0.50% · 4.625%
HK$114,201
+HK$5,718/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,966/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,957 · Scale 2, in force from 26 Feb 2026)