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$51,396
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,995
−HK$1,624/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,178
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,711
−HK$1,556/mo
Today · 4.125%
HK$60,267
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,534/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,676
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,949/mo
Today · 4.125%
HK$65,543
baseline
▲ 0.50% · 4.625%
HK$69,531
+HK$3,988/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$131,086/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,613
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,454
−HK$1,866/mo
Today · 4.125%
HK$72,320
baseline
▲ 0.50% · 4.625%
HK$76,132
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.52M · min. income ≈ HK$144,640/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,955
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,193
−HK$2,274/mo
Today · 4.125%
HK$76,467
baseline
▲ 0.50% · 4.625%
HK$81,120
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,934/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,049
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,196
−HK$2,178/mo
Today · 4.125%
HK$84,374
baseline
▲ 0.50% · 4.625%
HK$88,821
+HK$4,447/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,748/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,513
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,391
−HK$2,924/mo
Today · 4.125%
HK$98,315
baseline
▲ 0.50% · 4.625%
HK$104,297
+HK$5,982/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,630/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,920
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,680
−HK$2,801/mo
Today · 4.125%
HK$108,481
baseline
▲ 0.50% · 4.625%
HK$114,199
+HK$5,718/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,962/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$957,937 · Scale 2, in force from 26 Feb 2026)