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$51,515
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,117
−HK$1,628/mo
Today · 4.125%
HK$54,745
baseline
▲ 0.50% · 4.625%
HK$58,076
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,490/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,309
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,846
−HK$1,560/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$63,590
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,818
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,740
−HK$1,954/mo
Today · 4.125%
HK$65,694
baseline
▲ 0.50% · 4.625%
HK$69,691
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,388/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,771
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,616
−HK$1,871/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,120
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,364
−HK$2,279/mo
Today · 4.125%
HK$76,643
baseline
▲ 0.50% · 4.625%
HK$81,307
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,286/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,233
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,385
−HK$2,183/mo
Today · 4.125%
HK$84,568
baseline
▲ 0.50% · 4.625%
HK$89,026
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,136/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,726
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,611
−HK$2,930/mo
Today · 4.125%
HK$98,541
baseline
▲ 0.50% · 4.625%
HK$104,537
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,082/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,157
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,924
−HK$2,806/mo
Today · 4.125%
HK$108,730
baseline
▲ 0.50% · 4.625%
HK$114,462
+HK$5,732/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,460/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,143 · Scale 2, in force from 26 Feb 2026)