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$51,648
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,255
−HK$1,632/mo
Today · 4.125%
HK$54,887
baseline
▲ 0.50% · 4.625%
HK$58,227
+HK$3,340/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,774/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,458
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,563/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,958/mo
Today · 4.125%
HK$65,864
baseline
▲ 0.50% · 4.625%
HK$69,872
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,728/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,950
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,799
−HK$1,876/mo
Today · 4.125%
HK$72,675
baseline
▲ 0.50% · 4.625%
HK$76,506
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,350/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,307
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$2,285/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$81,517
+HK$4,675/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,441
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,599
−HK$2,188/mo
Today · 4.125%
HK$84,787
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,574/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,967
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,858
−HK$2,939/mo
Today · 4.125%
HK$98,797
baseline
▲ 0.50% · 4.625%
HK$104,808
+HK$6,011/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,594/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,425
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,198
−HK$2,814/mo
Today · 4.125%
HK$109,012
baseline
▲ 0.50% · 4.625%
HK$114,758
+HK$5,746/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,024/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,632 · Scale 2, in force from 26 Feb 2026)