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$51,550
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,154
−HK$1,629/mo
Today · 4.125%
HK$54,783
baseline
▲ 0.50% · 4.625%
HK$58,116
+HK$3,333/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,566/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,349
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,887
−HK$1,560/mo
Today · 4.125%
HK$60,447
baseline
▲ 0.50% · 4.625%
HK$63,634
+HK$3,187/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,894/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,860
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,784
−HK$1,955/mo
Today · 4.125%
HK$65,739
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,478/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,819
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,664
−HK$1,873/mo
Today · 4.125%
HK$72,537
baseline
▲ 0.50% · 4.625%
HK$76,360
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,074/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,170
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,415
−HK$2,281/mo
Today · 4.125%
HK$76,696
baseline
▲ 0.50% · 4.625%
HK$81,362
+HK$4,666/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,392/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,288
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,442
−HK$2,184/mo
Today · 4.125%
HK$84,626
baseline
▲ 0.50% · 4.625%
HK$89,087
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,252/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,790
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,676
−HK$2,933/mo
Today · 4.125%
HK$98,609
baseline
▲ 0.50% · 4.625%
HK$104,609
+HK$6,000/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,218/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,228
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,996
−HK$2,809/mo
Today · 4.125%
HK$108,805
baseline
▲ 0.50% · 4.625%
HK$114,540
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,610/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,803 · Scale 2, in force from 26 Feb 2026)