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$51,703
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,312
−HK$1,634/mo
Today · 4.125%
HK$54,946
baseline
▲ 0.50% · 4.625%
HK$58,289
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,892/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,520
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,565/mo
Today · 4.125%
HK$60,627
baseline
▲ 0.50% · 4.625%
HK$63,823
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,254/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,044
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,974
−HK$1,961/mo
Today · 4.125%
HK$65,935
baseline
▲ 0.50% · 4.625%
HK$69,947
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,870/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$1,878/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,385
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,636
−HK$2,288/mo
Today · 4.125%
HK$76,924
baseline
▲ 0.50% · 4.625%
HK$81,605
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,848/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,527
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,687
−HK$2,191/mo
Today · 4.125%
HK$84,878
baseline
▲ 0.50% · 4.625%
HK$89,352
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,756/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,066
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,961
−HK$2,941/mo
Today · 4.125%
HK$98,902
baseline
▲ 0.50% · 4.625%
HK$104,920
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,804/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,535
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,312
−HK$2,817/mo
Today · 4.125%
HK$109,129
baseline
▲ 0.50% · 4.625%
HK$114,881
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,258/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,663 · Scale 2, in force from 26 Feb 2026)