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$51,346
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,623/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,886
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,122
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,554/mo
Today · 4.125%
HK$60,208
baseline
▲ 0.50% · 4.625%
HK$63,381
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,416/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,615
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,532
−HK$1,947/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$69,463
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,546
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,384
−HK$1,865/mo
Today · 4.125%
HK$72,249
baseline
▲ 0.50% · 4.625%
HK$76,058
+HK$3,809/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,498/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,884
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$2,272/mo
Today · 4.125%
HK$76,392
baseline
▲ 0.50% · 4.625%
HK$81,040
+HK$4,648/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$152,784/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,970
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,115
−HK$2,176/mo
Today · 4.125%
HK$84,291
baseline
▲ 0.50% · 4.625%
HK$88,734
+HK$4,443/mo
Deposit HK$6.76M · loan HK$15.76M · min. income ≈ HK$168,582/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,422
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,921/mo
Today · 4.125%
HK$98,218
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,976/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,436/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,819
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,577
−HK$2,797/mo
Today · 4.125%
HK$108,374
baseline
▲ 0.50% · 4.625%
HK$114,087
+HK$5,713/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,748/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,996 · Scale 2, in force from 26 Feb 2026)