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$51,523
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,125
−HK$1,629/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$3,331/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,318
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,559/mo
Today · 4.125%
HK$60,415
baseline
▲ 0.50% · 4.625%
HK$63,600
+HK$3,185/mo
Deposit HK$11.30M · loan HK$11.30M · min. income ≈ HK$120,830/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,827
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,750
−HK$1,954/mo
Today · 4.125%
HK$65,704
baseline
▲ 0.50% · 4.625%
HK$69,702
+HK$3,998/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$131,408/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,782
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,627
−HK$1,871/mo
Today · 4.125%
HK$72,498
baseline
▲ 0.50% · 4.625%
HK$76,320
+HK$3,822/mo
Deposit HK$9.04M · loan HK$13.56M · min. income ≈ HK$144,996/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,132
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,375
−HK$2,280/mo
Today · 4.125%
HK$76,655
baseline
▲ 0.50% · 4.625%
HK$81,319
+HK$4,664/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$153,310/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,246
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,398
−HK$2,183/mo
Today · 4.125%
HK$84,581
baseline
▲ 0.50% · 4.625%
HK$89,040
+HK$4,459/mo
Deposit HK$6.78M · loan HK$15.82M · min. income ≈ HK$169,162/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,741
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,626
−HK$2,930/mo
Today · 4.125%
HK$98,556
baseline
▲ 0.50% · 4.625%
HK$104,553
+HK$5,997/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$197,112/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,173
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$105,940
−HK$2,807/mo
Today · 4.125%
HK$108,747
baseline
▲ 0.50% · 4.625%
HK$114,480
+HK$5,733/mo
Deposit HK$2.26M · loan HK$20.34M · min. income ≈ HK$217,494/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,293 · Scale 2, in force from 26 Feb 2026)