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$51,548
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,151
−HK$1,629/mo
Today · 4.125%
HK$54,780
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,560/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,346
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,561/mo
Today · 4.125%
HK$60,445
baseline
▲ 0.50% · 4.625%
HK$63,631
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,890/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,857
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,955/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,816
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$1,873/mo
Today · 4.125%
HK$72,534
baseline
▲ 0.50% · 4.625%
HK$76,357
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,068/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,167
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,412
−HK$2,280/mo
Today · 4.125%
HK$76,692
baseline
▲ 0.50% · 4.625%
HK$81,359
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,384/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,285
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,438
−HK$2,184/mo
Today · 4.125%
HK$84,622
baseline
▲ 0.50% · 4.625%
HK$89,083
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,244/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,786
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,672
−HK$2,932/mo
Today · 4.125%
HK$98,604
baseline
▲ 0.50% · 4.625%
HK$104,604
+HK$6,000/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,208/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,223
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,992
−HK$2,808/mo
Today · 4.125%
HK$108,800
baseline
▲ 0.50% · 4.625%
HK$114,535
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,600/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,761 · Scale 2, in force from 26 Feb 2026)