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$51,732
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,635/mo
Today · 4.125%
HK$54,976
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,952/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,551
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,566/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$63,858
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,078
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,009
−HK$1,962/mo
Today · 4.125%
HK$65,971
baseline
▲ 0.50% · 4.625%
HK$69,985
+HK$4,014/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,942/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,062
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,914
−HK$1,879/mo
Today · 4.125%
HK$72,793
baseline
▲ 0.50% · 4.625%
HK$76,630
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,586/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,425
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,678
−HK$2,288/mo
Today · 4.125%
HK$76,966
baseline
▲ 0.50% · 4.625%
HK$81,650
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,932/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,572
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,733
−HK$2,192/mo
Today · 4.125%
HK$84,925
baseline
▲ 0.50% · 4.625%
HK$89,401
+HK$4,476/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,850/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,117
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,014
−HK$2,943/mo
Today · 4.125%
HK$98,957
baseline
▲ 0.50% · 4.625%
HK$104,978
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,914/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,592
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,371
−HK$2,818/mo
Today · 4.125%
HK$109,189
baseline
▲ 0.50% · 4.625%
HK$114,945
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,378/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,193 · Scale 2, in force from 26 Feb 2026)