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$51,464
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,627/mo
Today · 4.125%
HK$54,692
baseline
▲ 0.50% · 4.625%
HK$58,020
+HK$3,328/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,384/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,254
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,789
−HK$1,558/mo
Today · 4.125%
HK$60,347
baseline
▲ 0.50% · 4.625%
HK$63,528
+HK$3,181/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,694/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,952/mo
Today · 4.125%
HK$65,630
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,260/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,547
−HK$1,869/mo
Today · 4.125%
HK$72,416
baseline
▲ 0.50% · 4.625%
HK$76,233
+HK$3,817/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,832/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,050
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,291
−HK$2,277/mo
Today · 4.125%
HK$76,568
baseline
▲ 0.50% · 4.625%
HK$81,227
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,136/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,155
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,305
−HK$2,181/mo
Today · 4.125%
HK$84,486
baseline
▲ 0.50% · 4.625%
HK$88,939
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,972/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,636
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,517
−HK$2,928/mo
Today · 4.125%
HK$98,445
baseline
▲ 0.50% · 4.625%
HK$104,435
+HK$5,990/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,890/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,057
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,821
−HK$2,803/mo
Today · 4.125%
HK$108,624
baseline
▲ 0.50% · 4.625%
HK$114,350
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,248/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,208 · Scale 2, in force from 26 Feb 2026)