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$51,537
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,629/mo
Today · 4.125%
HK$54,769
baseline
▲ 0.50% · 4.625%
HK$58,101
+HK$3,332/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,538/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,334
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,872
−HK$1,560/mo
Today · 4.125%
HK$60,432
baseline
▲ 0.50% · 4.625%
HK$63,617
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,864/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,844
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,954/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,801
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,646
−HK$1,872/mo
Today · 4.125%
HK$72,518
baseline
▲ 0.50% · 4.625%
HK$76,341
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,036/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,152
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,396
−HK$2,280/mo
Today · 4.125%
HK$76,676
baseline
▲ 0.50% · 4.625%
HK$81,342
+HK$4,666/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,352/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,268
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,421
−HK$2,184/mo
Today · 4.125%
HK$84,605
baseline
▲ 0.50% · 4.625%
HK$89,064
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,210/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,766
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,932/mo
Today · 4.125%
HK$98,584
baseline
▲ 0.50% · 4.625%
HK$104,582
+HK$5,998/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,168/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,202
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,970
−HK$2,807/mo
Today · 4.125%
HK$108,777
baseline
▲ 0.50% · 4.625%
HK$114,511
+HK$5,734/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,554/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,558 · Scale 2, in force from 26 Feb 2026)