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$51,533
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,136
−HK$1,629/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$58,097
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,330
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,868
−HK$1,559/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$63,613
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,840
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,763
−HK$1,955/mo
Today · 4.125%
HK$65,718
baseline
▲ 0.50% · 4.625%
HK$69,716
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,436/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,796
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,641
−HK$1,872/mo
Today · 4.125%
HK$72,513
baseline
▲ 0.50% · 4.625%
HK$76,335
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,026/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,146
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,391
−HK$2,280/mo
Today · 4.125%
HK$76,671
baseline
▲ 0.50% · 4.625%
HK$81,336
+HK$4,665/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,342/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,262
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,415
−HK$2,183/mo
Today · 4.125%
HK$84,598
baseline
▲ 0.50% · 4.625%
HK$89,058
+HK$4,460/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,196/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,760
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$95,645
−HK$2,931/mo
Today · 4.125%
HK$98,576
baseline
▲ 0.50% · 4.625%
HK$104,575
+HK$5,999/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,152/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,194
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,962
−HK$2,807/mo
Today · 4.125%
HK$108,769
baseline
▲ 0.50% · 4.625%
HK$114,503
+HK$5,734/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,538/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,488 · Scale 2, in force from 26 Feb 2026)