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$51,395
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,624/mo
Today · 4.125%
HK$54,618
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,236/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,710
−HK$1,556/mo
Today · 4.125%
HK$60,266
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,532/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,593
−HK$1,949/mo
Today · 4.125%
HK$65,542
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,988/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$131,084/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$1,867/mo
Today · 4.125%
HK$72,319
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$144,638/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,954
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$2,274/mo
Today · 4.125%
HK$76,466
baseline
▲ 0.50% · 4.625%
HK$81,119
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,932/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,048
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,177/mo
Today · 4.125%
HK$84,372
baseline
▲ 0.50% · 4.625%
HK$88,820
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,744/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,512
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,389
−HK$2,924/mo
Today · 4.125%
HK$98,313
baseline
▲ 0.50% · 4.625%
HK$104,295
+HK$5,982/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,626/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,919
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,679
−HK$2,800/mo
Today · 4.125%
HK$108,479
baseline
▲ 0.50% · 4.625%
HK$114,197
+HK$5,718/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,958/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,922 · Scale 2, in force from 26 Feb 2026)