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$51,551
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,154
−HK$1,629/mo
Today · 4.125%
HK$54,783
baseline
▲ 0.50% · 4.625%
HK$58,117
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,566/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,350
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,888
−HK$1,560/mo
Today · 4.125%
HK$60,448
baseline
▲ 0.50% · 4.625%
HK$63,634
+HK$3,186/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,896/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,861
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,785
−HK$1,955/mo
Today · 4.125%
HK$65,740
baseline
▲ 0.50% · 4.625%
HK$69,740
+HK$4,000/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,480/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,820
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,665
−HK$1,873/mo
Today · 4.125%
HK$72,538
baseline
▲ 0.50% · 4.625%
HK$76,361
+HK$3,823/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,076/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,171
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,416
−HK$2,281/mo
Today · 4.125%
HK$76,697
baseline
▲ 0.50% · 4.625%
HK$81,364
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,394/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,290
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,443
−HK$2,184/mo
Today · 4.125%
HK$84,627
baseline
▲ 0.50% · 4.625%
HK$89,088
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,254/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,791
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,678
−HK$2,932/mo
Today · 4.125%
HK$98,610
baseline
▲ 0.50% · 4.625%
HK$104,610
+HK$6,000/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,220/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,229
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$105,998
−HK$2,809/mo
Today · 4.125%
HK$108,807
baseline
▲ 0.50% · 4.625%
HK$114,542
+HK$5,735/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,614/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,817 · Scale 2, in force from 26 Feb 2026)