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$51,341
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,938
−HK$1,622/mo
Today · 4.125%
HK$54,560
baseline
▲ 0.50% · 4.625%
HK$57,880
+HK$3,320/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$109,120/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,116
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,648
−HK$1,554/mo
Today · 4.125%
HK$60,202
baseline
▲ 0.50% · 4.625%
HK$63,375
+HK$3,173/mo
Deposit HK$11.26M · loan HK$11.26M · min. income ≈ HK$120,404/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,609
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,525
−HK$1,947/mo
Today · 4.125%
HK$65,472
baseline
▲ 0.50% · 4.625%
HK$69,456
+HK$3,984/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$130,944/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,539
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,377
−HK$1,865/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,050
+HK$3,808/mo
Deposit HK$9.01M · loan HK$13.51M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,877
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,113
−HK$2,271/mo
Today · 4.125%
HK$76,384
baseline
▲ 0.50% · 4.625%
HK$81,032
+HK$4,648/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$152,768/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,962
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,107
−HK$2,175/mo
Today · 4.125%
HK$84,282
baseline
▲ 0.50% · 4.625%
HK$88,725
+HK$4,443/mo
Deposit HK$6.75M · loan HK$15.76M · min. income ≈ HK$168,564/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,413
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,288
−HK$2,920/mo
Today · 4.125%
HK$98,208
baseline
▲ 0.50% · 4.625%
HK$104,184
+HK$5,976/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$196,416/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,809
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$105,566
−HK$2,797/mo
Today · 4.125%
HK$108,363
baseline
▲ 0.50% · 4.625%
HK$114,075
+HK$5,712/mo
Deposit HK$2.25M · loan HK$20.26M · min. income ≈ HK$216,726/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$956,899 · Scale 2, in force from 26 Feb 2026)