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$51,708
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,316
−HK$1,635/mo
Today · 4.125%
HK$54,951
baseline
▲ 0.50% · 4.625%
HK$58,294
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,902/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,525
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,067
−HK$1,566/mo
Today · 4.125%
HK$60,633
baseline
▲ 0.50% · 4.625%
HK$63,829
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,266/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,050
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,961/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,881
−HK$1,878/mo
Today · 4.125%
HK$72,759
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,518/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,391
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,643
−HK$2,288/mo
Today · 4.125%
HK$76,931
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,862/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,534
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,694
−HK$2,192/mo
Today · 4.125%
HK$84,886
baseline
▲ 0.50% · 4.625%
HK$89,360
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,772/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,074
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,970
−HK$2,941/mo
Today · 4.125%
HK$98,911
baseline
▲ 0.50% · 4.625%
HK$104,929
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,822/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,544
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,321
−HK$2,818/mo
Today · 4.125%
HK$109,139
baseline
▲ 0.50% · 4.625%
HK$114,891
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,278/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,747 · Scale 2, in force from 26 Feb 2026)