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$51,363
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,623/mo
Today · 4.125%
HK$54,583
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$3,322/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,166/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,140
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,554/mo
Today · 4.125%
HK$60,227
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,175/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,454/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,635
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,552
−HK$1,948/mo
Today · 4.125%
HK$65,500
baseline
▲ 0.50% · 4.625%
HK$69,486
+HK$3,986/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$131,000/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,568
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$1,866/mo
Today · 4.125%
HK$72,273
baseline
▲ 0.50% · 4.625%
HK$76,083
+HK$3,810/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,546/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,908
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,144
−HK$2,273/mo
Today · 4.125%
HK$76,417
baseline
▲ 0.50% · 4.625%
HK$81,067
+HK$4,650/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$152,834/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,997
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,142
−HK$2,176/mo
Today · 4.125%
HK$84,318
baseline
▲ 0.50% · 4.625%
HK$88,763
+HK$4,445/mo
Deposit HK$6.76M · loan HK$15.77M · min. income ≈ HK$168,636/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,453
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,328
−HK$2,922/mo
Today · 4.125%
HK$98,250
baseline
▲ 0.50% · 4.625%
HK$104,229
+HK$5,979/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$196,500/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,853
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,611
−HK$2,798/mo
Today · 4.125%
HK$108,409
baseline
▲ 0.50% · 4.625%
HK$114,124
+HK$5,715/mo
Deposit HK$2.25M · loan HK$20.27M · min. income ≈ HK$216,818/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,310 · Scale 2, in force from 26 Feb 2026)