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$51,554
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,158
−HK$1,629/mo
Today · 4.125%
HK$54,787
baseline
▲ 0.50% · 4.625%
HK$58,121
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,574/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,891
−HK$1,561/mo
Today · 4.125%
HK$60,452
baseline
▲ 0.50% · 4.625%
HK$63,638
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,904/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,865
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,955/mo
Today · 4.125%
HK$65,744
baseline
▲ 0.50% · 4.625%
HK$69,745
+HK$4,001/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$131,488/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,824
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,670
−HK$1,872/mo
Today · 4.125%
HK$72,542
baseline
▲ 0.50% · 4.625%
HK$76,366
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$145,084/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,176
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,421
−HK$2,281/mo
Today · 4.125%
HK$76,702
baseline
▲ 0.50% · 4.625%
HK$81,369
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,404/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,295
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,448
−HK$2,185/mo
Today · 4.125%
HK$84,633
baseline
▲ 0.50% · 4.625%
HK$89,094
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,266/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,797
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,684
−HK$2,932/mo
Today · 4.125%
HK$98,616
baseline
▲ 0.50% · 4.625%
HK$104,617
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,232/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,236
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$106,005
−HK$2,808/mo
Today · 4.125%
HK$108,813
baseline
▲ 0.50% · 4.625%
HK$114,549
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,626/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,877 · Scale 2, in force from 26 Feb 2026)