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$51,563
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,629/mo
Today · 4.125%
HK$54,796
baseline
▲ 0.50% · 4.625%
HK$58,130
+HK$3,334/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,592/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,363
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,901
−HK$1,561/mo
Today · 4.125%
HK$60,462
baseline
▲ 0.50% · 4.625%
HK$63,649
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,924/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,875
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,800
−HK$1,955/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$4,001/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,682
−HK$1,872/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,379
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,188
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,433
−HK$2,281/mo
Today · 4.125%
HK$76,714
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,428/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,308
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,462
−HK$2,185/mo
Today · 4.125%
HK$84,647
baseline
▲ 0.50% · 4.625%
HK$89,109
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,294/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,813
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,700
−HK$2,933/mo
Today · 4.125%
HK$98,633
baseline
▲ 0.50% · 4.625%
HK$104,634
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,266/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,253
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,022
−HK$2,810/mo
Today · 4.125%
HK$108,832
baseline
▲ 0.50% · 4.625%
HK$114,568
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,664/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,038 · Scale 2, in force from 26 Feb 2026)