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$51,477
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,627/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$58,034
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,268
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,804
−HK$1,558/mo
Today · 4.125%
HK$60,362
baseline
▲ 0.50% · 4.625%
HK$63,544
+HK$3,182/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,724/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,773
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,953/mo
Today · 4.125%
HK$65,647
baseline
▲ 0.50% · 4.625%
HK$69,641
+HK$3,994/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,294/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,722
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,565
−HK$1,870/mo
Today · 4.125%
HK$72,435
baseline
▲ 0.50% · 4.625%
HK$76,253
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,870/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,068
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,310
−HK$2,278/mo
Today · 4.125%
HK$76,588
baseline
▲ 0.50% · 4.625%
HK$81,248
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,176/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,175
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,326
−HK$2,181/mo
Today · 4.125%
HK$84,507
baseline
▲ 0.50% · 4.625%
HK$88,962
+HK$4,455/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$169,014/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,659
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,542
−HK$2,928/mo
Today · 4.125%
HK$98,470
baseline
▲ 0.50% · 4.625%
HK$104,462
+HK$5,992/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,940/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,083
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,847
−HK$2,805/mo
Today · 4.125%
HK$108,652
baseline
▲ 0.50% · 4.625%
HK$114,379
+HK$5,727/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,304/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,451 · Scale 2, in force from 26 Feb 2026)