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$51,358
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,956
−HK$1,623/mo
Today · 4.125%
HK$54,579
baseline
▲ 0.50% · 4.625%
HK$57,900
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,158/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,136
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,668
−HK$1,555/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,397
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,630
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,547
−HK$1,948/mo
Today · 4.125%
HK$65,495
baseline
▲ 0.50% · 4.625%
HK$69,480
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,990/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,563
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,402
−HK$1,865/mo
Today · 4.125%
HK$72,267
baseline
▲ 0.50% · 4.625%
HK$76,076
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,534/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,902
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,138
−HK$2,273/mo
Today · 4.125%
HK$76,411
baseline
▲ 0.50% · 4.625%
HK$81,060
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,822/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,990
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,135
−HK$2,177/mo
Today · 4.125%
HK$84,312
baseline
▲ 0.50% · 4.625%
HK$88,756
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,624/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,445
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,321
−HK$2,921/mo
Today · 4.125%
HK$98,242
baseline
▲ 0.50% · 4.625%
HK$104,220
+HK$5,978/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,484/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,844
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,602
−HK$2,799/mo
Today · 4.125%
HK$108,401
baseline
▲ 0.50% · 4.625%
HK$114,115
+HK$5,714/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,802/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,231 · Scale 2, in force from 26 Feb 2026)