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$51,514
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,116
−HK$1,628/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$58,075
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,308
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,560/mo
Today · 4.125%
HK$60,405
baseline
▲ 0.50% · 4.625%
HK$63,589
+HK$3,184/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,810/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,739
−HK$1,954/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,690
+HK$3,997/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,770
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$1,871/mo
Today · 4.125%
HK$72,485
baseline
▲ 0.50% · 4.625%
HK$76,306
+HK$3,821/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,970/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,362
−HK$2,280/mo
Today · 4.125%
HK$76,642
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,663/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,284/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,232
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,383
−HK$2,183/mo
Today · 4.125%
HK$84,566
baseline
▲ 0.50% · 4.625%
HK$89,024
+HK$4,458/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,132/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,724
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,609
−HK$2,930/mo
Today · 4.125%
HK$98,539
baseline
▲ 0.50% · 4.625%
HK$104,535
+HK$5,996/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,078/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,155
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,922
−HK$2,806/mo
Today · 4.125%
HK$108,728
baseline
▲ 0.50% · 4.625%
HK$114,459
+HK$5,731/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,456/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,124 · Scale 2, in force from 26 Feb 2026)