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$51,553
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,156
−HK$1,629/mo
Today · 4.125%
HK$54,785
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$3,334/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,570/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,352
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,560/mo
Today · 4.125%
HK$60,450
baseline
▲ 0.50% · 4.625%
HK$63,637
+HK$3,187/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,900/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,863
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,787
−HK$1,955/mo
Today · 4.125%
HK$65,742
baseline
▲ 0.50% · 4.625%
HK$69,743
+HK$4,001/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,484/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,822
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,668
−HK$1,872/mo
Today · 4.125%
HK$72,540
baseline
▲ 0.50% · 4.625%
HK$76,364
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$145,080/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,174
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$2,281/mo
Today · 4.125%
HK$76,700
baseline
▲ 0.50% · 4.625%
HK$81,367
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,400/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,292
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,446
−HK$2,184/mo
Today · 4.125%
HK$84,630
baseline
▲ 0.50% · 4.625%
HK$89,091
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,260/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,795
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,681
−HK$2,933/mo
Today · 4.125%
HK$98,614
baseline
▲ 0.50% · 4.625%
HK$104,614
+HK$6,000/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,228/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,233
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$106,002
−HK$2,808/mo
Today · 4.125%
HK$108,810
baseline
▲ 0.50% · 4.625%
HK$114,546
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,620/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,851 · Scale 2, in force from 26 Feb 2026)