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$51,354
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,951
−HK$1,623/mo
Today · 4.125%
HK$54,574
baseline
▲ 0.50% · 4.625%
HK$57,895
+HK$3,321/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,148/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,131
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,663
−HK$1,554/mo
Today · 4.125%
HK$60,217
baseline
▲ 0.50% · 4.625%
HK$63,391
+HK$3,174/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,434/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,625
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,541
−HK$1,948/mo
Today · 4.125%
HK$65,489
baseline
▲ 0.50% · 4.625%
HK$69,474
+HK$3,985/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,978/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,557
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,395
−HK$1,866/mo
Today · 4.125%
HK$72,261
baseline
▲ 0.50% · 4.625%
HK$76,070
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,522/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,895
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,132
−HK$2,272/mo
Today · 4.125%
HK$76,404
baseline
▲ 0.50% · 4.625%
HK$81,053
+HK$4,649/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$152,808/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,983
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,128
−HK$2,176/mo
Today · 4.125%
HK$84,304
baseline
▲ 0.50% · 4.625%
HK$88,748
+HK$4,444/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$168,608/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,437
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,312
−HK$2,921/mo
Today · 4.125%
HK$98,233
baseline
▲ 0.50% · 4.625%
HK$104,211
+HK$5,978/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,466/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,835
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,593
−HK$2,798/mo
Today · 4.125%
HK$108,391
baseline
▲ 0.50% · 4.625%
HK$114,104
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,782/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,146 · Scale 2, in force from 26 Feb 2026)