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$51,578
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,183
−HK$1,630/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,380
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,919
−HK$1,561/mo
Today · 4.125%
HK$60,480
baseline
▲ 0.50% · 4.625%
HK$63,668
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,960/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,894
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,819
−HK$1,956/mo
Today · 4.125%
HK$65,775
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,550/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,856
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,703
−HK$1,874/mo
Today · 4.125%
HK$72,577
baseline
▲ 0.50% · 4.625%
HK$76,402
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,154/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,210
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$2,282/mo
Today · 4.125%
HK$76,738
baseline
▲ 0.50% · 4.625%
HK$81,407
+HK$4,669/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$153,476/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,333
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,487
−HK$2,186/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,136
+HK$4,463/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,841
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,934/mo
Today · 4.125%
HK$98,663
baseline
▲ 0.50% · 4.625%
HK$104,666
+HK$6,003/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,326/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,285
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,055
−HK$2,810/mo
Today · 4.125%
HK$108,865
baseline
▲ 0.50% · 4.625%
HK$114,603
+HK$5,738/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,730/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,331 · Scale 2, in force from 26 Feb 2026)