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$51,364
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,623/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,907
+HK$3,322/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,142
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,675
−HK$1,554/mo
Today · 4.125%
HK$60,229
baseline
▲ 0.50% · 4.625%
HK$63,404
+HK$3,175/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,458/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,571
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,410
−HK$1,865/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,910
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,147
−HK$2,272/mo
Today · 4.125%
HK$76,419
baseline
▲ 0.50% · 4.625%
HK$81,069
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,838/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,145
−HK$2,176/mo
Today · 4.125%
HK$84,321
baseline
▲ 0.50% · 4.625%
HK$88,766
+HK$4,445/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,642/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,456
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,331
−HK$2,922/mo
Today · 4.125%
HK$98,253
baseline
▲ 0.50% · 4.625%
HK$104,232
+HK$5,979/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,506/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,856
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,614
−HK$2,799/mo
Today · 4.125%
HK$108,413
baseline
▲ 0.50% · 4.625%
HK$114,127
+HK$5,714/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,826/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,339 · Scale 2, in force from 26 Feb 2026)