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$51,462
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,627/mo
Today · 4.125%
HK$54,690
baseline
▲ 0.50% · 4.625%
HK$58,017
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,380/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,251
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,787
−HK$1,558/mo
Today · 4.125%
HK$60,345
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,690/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,755
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,952/mo
Today · 4.125%
HK$65,628
baseline
▲ 0.50% · 4.625%
HK$69,621
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,256/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,702
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$1,870/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,231
+HK$3,817/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,047
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,289
−HK$2,276/mo
Today · 4.125%
HK$76,565
baseline
▲ 0.50% · 4.625%
HK$81,224
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,130/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,152
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,302
−HK$2,180/mo
Today · 4.125%
HK$84,482
baseline
▲ 0.50% · 4.625%
HK$88,936
+HK$4,454/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,964/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,632
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,927/mo
Today · 4.125%
HK$98,441
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,990/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,882/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,053
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,816
−HK$2,804/mo
Today · 4.125%
HK$108,620
baseline
▲ 0.50% · 4.625%
HK$114,346
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,240/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,171 · Scale 2, in force from 26 Feb 2026)