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$51,374
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,623/mo
Today · 4.125%
HK$54,595
baseline
▲ 0.50% · 4.625%
HK$57,917
+HK$3,322/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,190/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,153
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,555/mo
Today · 4.125%
HK$60,240
baseline
▲ 0.50% · 4.625%
HK$63,416
+HK$3,176/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,480/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,948/mo
Today · 4.125%
HK$65,514
baseline
▲ 0.50% · 4.625%
HK$69,501
+HK$3,987/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,028/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,583
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$1,865/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$3,811/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,923
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,160
−HK$2,273/mo
Today · 4.125%
HK$76,433
baseline
▲ 0.50% · 4.625%
HK$81,084
+HK$4,651/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,866/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,014
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,160
−HK$2,177/mo
Today · 4.125%
HK$84,337
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$4,445/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,674/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,473
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,349
−HK$2,922/mo
Today · 4.125%
HK$98,271
baseline
▲ 0.50% · 4.625%
HK$104,251
+HK$5,980/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$196,542/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,875
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$2,799/mo
Today · 4.125%
HK$108,433
baseline
▲ 0.50% · 4.625%
HK$114,148
+HK$5,715/mo
Deposit HK$2.25M · loan HK$20.28M · min. income ≈ HK$216,866/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,515 · Scale 2, in force from 26 Feb 2026)