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$51,357
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,955
−HK$1,623/mo
Today · 4.125%
HK$54,578
baseline
▲ 0.50% · 4.625%
HK$57,899
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,156/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,135
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,667
−HK$1,555/mo
Today · 4.125%
HK$60,222
baseline
▲ 0.50% · 4.625%
HK$63,396
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,444/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,629
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,948/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,400
−HK$1,866/mo
Today · 4.125%
HK$72,266
baseline
▲ 0.50% · 4.625%
HK$76,075
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,532/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,900
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,137
−HK$2,272/mo
Today · 4.125%
HK$76,409
baseline
▲ 0.50% · 4.625%
HK$81,059
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,818/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,989
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,134
−HK$2,176/mo
Today · 4.125%
HK$84,310
baseline
▲ 0.50% · 4.625%
HK$88,754
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,620/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,443
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,319
−HK$2,922/mo
Today · 4.125%
HK$98,241
baseline
▲ 0.50% · 4.625%
HK$104,218
+HK$5,977/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,482/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,842
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,601
−HK$2,798/mo
Today · 4.125%
HK$108,399
baseline
▲ 0.50% · 4.625%
HK$114,113
+HK$5,714/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,798/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,215 · Scale 2, in force from 26 Feb 2026)