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$51,729
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,338
−HK$1,635/mo
Today · 4.125%
HK$54,973
baseline
▲ 0.50% · 4.625%
HK$58,318
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,946/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,548
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,092
−HK$1,565/mo
Today · 4.125%
HK$60,657
baseline
▲ 0.50% · 4.625%
HK$63,855
+HK$3,198/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,314/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,075
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,006
−HK$1,962/mo
Today · 4.125%
HK$65,968
baseline
▲ 0.50% · 4.625%
HK$69,982
+HK$4,014/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,936/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,058
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,910
−HK$1,879/mo
Today · 4.125%
HK$72,789
baseline
▲ 0.50% · 4.625%
HK$76,626
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,578/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,674
−HK$2,288/mo
Today · 4.125%
HK$76,962
baseline
▲ 0.50% · 4.625%
HK$81,645
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,924/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,568
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,728
−HK$2,192/mo
Today · 4.125%
HK$84,920
baseline
▲ 0.50% · 4.625%
HK$89,397
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,840/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,113
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,009
−HK$2,943/mo
Today · 4.125%
HK$98,952
baseline
▲ 0.50% · 4.625%
HK$104,973
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,904/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,587
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,365
−HK$2,818/mo
Today · 4.125%
HK$109,183
baseline
▲ 0.50% · 4.625%
HK$114,939
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,366/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,144 · Scale 2, in force from 26 Feb 2026)