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$51,340
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,937
−HK$1,622/mo
Today · 4.125%
HK$54,559
baseline
▲ 0.50% · 4.625%
HK$57,879
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,118/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,115
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,554/mo
Today · 4.125%
HK$60,201
baseline
▲ 0.50% · 4.625%
HK$63,374
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,402/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,608
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,947/mo
Today · 4.125%
HK$65,471
baseline
▲ 0.50% · 4.625%
HK$69,455
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,942/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,538
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$1,865/mo
Today · 4.125%
HK$72,241
baseline
▲ 0.50% · 4.625%
HK$76,049
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,482/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,875
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$2,272/mo
Today · 4.125%
HK$76,383
baseline
▲ 0.50% · 4.625%
HK$81,030
+HK$4,647/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,766/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,961
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,105
−HK$2,176/mo
Today · 4.125%
HK$84,281
baseline
▲ 0.50% · 4.625%
HK$88,723
+HK$4,442/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,562/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,411
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,286
−HK$2,920/mo
Today · 4.125%
HK$98,206
baseline
▲ 0.50% · 4.625%
HK$104,182
+HK$5,976/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,412/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,807
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,564
−HK$2,797/mo
Today · 4.125%
HK$108,361
baseline
▲ 0.50% · 4.625%
HK$114,073
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,722/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,881 · Scale 2, in force from 26 Feb 2026)