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$51,423
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,022
−HK$1,625/mo
Today · 4.125%
HK$54,647
baseline
▲ 0.50% · 4.625%
HK$57,973
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,294/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,207
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,742
−HK$1,556/mo
Today · 4.125%
HK$60,298
baseline
▲ 0.50% · 4.625%
HK$63,476
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,596/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,627
−HK$1,950/mo
Today · 4.125%
HK$65,577
baseline
▲ 0.50% · 4.625%
HK$69,567
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,154/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,649
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,490
−HK$1,868/mo
Today · 4.125%
HK$72,358
baseline
▲ 0.50% · 4.625%
HK$76,172
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,716/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,231
−HK$2,275/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,090
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,238
−HK$2,179/mo
Today · 4.125%
HK$84,417
baseline
▲ 0.50% · 4.625%
HK$88,867
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,834/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,561
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,440
−HK$2,925/mo
Today · 4.125%
HK$98,365
baseline
▲ 0.50% · 4.625%
HK$104,351
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,730/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,973
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,735
−HK$2,801/mo
Today · 4.125%
HK$108,536
baseline
▲ 0.50% · 4.625%
HK$114,258
+HK$5,722/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,072/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,431 · Scale 2, in force from 26 Feb 2026)