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$51,333
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,930
−HK$1,622/mo
Today · 4.125%
HK$54,552
baseline
▲ 0.50% · 4.625%
HK$57,872
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,104/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,108
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,554/mo
Today · 4.125%
HK$60,193
baseline
▲ 0.50% · 4.625%
HK$63,366
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,386/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,600
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,516
−HK$1,947/mo
Today · 4.125%
HK$65,463
baseline
▲ 0.50% · 4.625%
HK$69,446
+HK$3,983/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$130,926/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,529
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,367
−HK$1,865/mo
Today · 4.125%
HK$72,232
baseline
▲ 0.50% · 4.625%
HK$76,039
+HK$3,807/mo
Deposit HK$9.00M · loan HK$13.51M · min. income ≈ HK$144,464/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,102
−HK$2,271/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$81,021
+HK$4,648/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,095
−HK$2,176/mo
Today · 4.125%
HK$84,271
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,542/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,400
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,274
−HK$2,920/mo
Today · 4.125%
HK$98,194
baseline
▲ 0.50% · 4.625%
HK$104,169
+HK$5,975/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,388/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,794
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,551
−HK$2,797/mo
Today · 4.125%
HK$108,348
baseline
▲ 0.50% · 4.625%
HK$114,059
+HK$5,711/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,696/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,765 · Scale 2, in force from 26 Feb 2026)