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$51,406
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,624/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$3,325/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,189
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,556/mo
Today · 4.125%
HK$60,278
baseline
▲ 0.50% · 4.625%
HK$63,456
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,556/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,687
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,606
−HK$1,949/mo
Today · 4.125%
HK$65,555
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,110/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,626
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,467
−HK$1,867/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,147
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,968
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$2,274/mo
Today · 4.125%
HK$76,481
baseline
▲ 0.50% · 4.625%
HK$81,135
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,962/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,064
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,211
−HK$2,179/mo
Today · 4.125%
HK$84,390
baseline
▲ 0.50% · 4.625%
HK$88,838
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,780/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,531
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,409
−HK$2,924/mo
Today · 4.125%
HK$98,333
baseline
▲ 0.50% · 4.625%
HK$104,316
+HK$5,983/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,666/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,939
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,700
−HK$2,801/mo
Today · 4.125%
HK$108,501
baseline
▲ 0.50% · 4.625%
HK$114,220
+HK$5,719/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,002/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,116 · Scale 2, in force from 26 Feb 2026)