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$51,576
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,180
−HK$1,630/mo
Today · 4.125%
HK$54,810
baseline
▲ 0.50% · 4.625%
HK$58,145
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,620/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,377
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,561/mo
Today · 4.125%
HK$60,477
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,954/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,891
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,816
−HK$1,956/mo
Today · 4.125%
HK$65,772
baseline
▲ 0.50% · 4.625%
HK$69,774
+HK$4,002/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,544/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,853
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,699
−HK$1,874/mo
Today · 4.125%
HK$72,573
baseline
▲ 0.50% · 4.625%
HK$76,398
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,146/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,206
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,452
−HK$2,282/mo
Today · 4.125%
HK$76,734
baseline
▲ 0.50% · 4.625%
HK$81,403
+HK$4,669/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$153,468/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,328
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,483
−HK$2,185/mo
Today · 4.125%
HK$84,668
baseline
▲ 0.50% · 4.625%
HK$89,131
+HK$4,463/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$169,336/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,836
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,724
−HK$2,934/mo
Today · 4.125%
HK$98,658
baseline
▲ 0.50% · 4.625%
HK$104,661
+HK$6,003/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,316/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,279
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,049
−HK$2,810/mo
Today · 4.125%
HK$108,859
baseline
▲ 0.50% · 4.625%
HK$114,597
+HK$5,738/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,718/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,281 · Scale 2, in force from 26 Feb 2026)