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$51,456
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,626/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$58,010
+HK$3,328/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,244
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,557/mo
Today · 4.125%
HK$60,336
baseline
▲ 0.50% · 4.625%
HK$63,517
+HK$3,181/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,672/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,747
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,667
−HK$1,952/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,611
+HK$3,992/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,693
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$1,869/mo
Today · 4.125%
HK$72,404
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,808/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,038
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,279
−HK$2,276/mo
Today · 4.125%
HK$76,555
baseline
▲ 0.50% · 4.625%
HK$81,213
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,110/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,141
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,291
−HK$2,180/mo
Today · 4.125%
HK$84,471
baseline
▲ 0.50% · 4.625%
HK$88,924
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,942/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,620
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,501
−HK$2,927/mo
Today · 4.125%
HK$98,428
baseline
▲ 0.50% · 4.625%
HK$104,417
+HK$5,989/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,856/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,039
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,802
−HK$2,804/mo
Today · 4.125%
HK$108,606
baseline
▲ 0.50% · 4.625%
HK$114,330
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,212/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,042 · Scale 2, in force from 26 Feb 2026)