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$51,727
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,336
−HK$1,635/mo
Today · 4.125%
HK$54,971
baseline
▲ 0.50% · 4.625%
HK$58,315
+HK$3,344/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,942/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,546
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,089
−HK$1,566/mo
Today · 4.125%
HK$60,655
baseline
▲ 0.50% · 4.625%
HK$63,852
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,310/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,072
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,003
−HK$1,962/mo
Today · 4.125%
HK$65,965
baseline
▲ 0.50% · 4.625%
HK$69,978
+HK$4,013/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,930/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,055
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,907
−HK$1,878/mo
Today · 4.125%
HK$72,785
baseline
▲ 0.50% · 4.625%
HK$76,622
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,570/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,670
−HK$2,289/mo
Today · 4.125%
HK$76,959
baseline
▲ 0.50% · 4.625%
HK$81,641
+HK$4,682/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,918/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,564
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,724
−HK$2,192/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$89,392
+HK$4,476/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,108
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,004
−HK$2,943/mo
Today · 4.125%
HK$98,947
baseline
▲ 0.50% · 4.625%
HK$104,968
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,894/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,582
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,360
−HK$2,818/mo
Today · 4.125%
HK$109,178
baseline
▲ 0.50% · 4.625%
HK$114,933
+HK$5,755/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,356/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,098 · Scale 2, in force from 26 Feb 2026)