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$51,454
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,626/mo
Today · 4.125%
HK$54,680
baseline
▲ 0.50% · 4.625%
HK$58,007
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,360/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,557/mo
Today · 4.125%
HK$60,334
baseline
▲ 0.50% · 4.625%
HK$63,514
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,668/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,665
−HK$1,951/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,609
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,690
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$1,869/mo
Today · 4.125%
HK$72,401
baseline
▲ 0.50% · 4.625%
HK$76,217
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,802/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,035
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,276
−HK$2,276/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$81,210
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,138
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,287
−HK$2,181/mo
Today · 4.125%
HK$84,468
baseline
▲ 0.50% · 4.625%
HK$88,920
+HK$4,452/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,936/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,616
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,497
−HK$2,927/mo
Today · 4.125%
HK$98,424
baseline
▲ 0.50% · 4.625%
HK$104,413
+HK$5,989/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,848/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,035
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,798
−HK$2,804/mo
Today · 4.125%
HK$108,602
baseline
▲ 0.50% · 4.625%
HK$114,326
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,204/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,005 · Scale 2, in force from 26 Feb 2026)