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$51,719
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,634/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$58,307
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,537
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,566/mo
Today · 4.125%
HK$60,646
baseline
▲ 0.50% · 4.625%
HK$63,842
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,292/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,063
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,993
−HK$1,962/mo
Today · 4.125%
HK$65,955
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$4,013/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,910/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,044
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$1,879/mo
Today · 4.125%
HK$72,775
baseline
▲ 0.50% · 4.625%
HK$76,611
+HK$3,836/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,550/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,659
−HK$2,288/mo
Today · 4.125%
HK$76,947
baseline
▲ 0.50% · 4.625%
HK$81,629
+HK$4,682/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$153,894/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,552
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,712
−HK$2,192/mo
Today · 4.125%
HK$84,904
baseline
▲ 0.50% · 4.625%
HK$89,379
+HK$4,475/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$169,808/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,094
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,990
−HK$2,942/mo
Today · 4.125%
HK$98,932
baseline
▲ 0.50% · 4.625%
HK$104,952
+HK$6,020/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,864/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,567
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,344
−HK$2,818/mo
Today · 4.125%
HK$109,162
baseline
▲ 0.50% · 4.625%
HK$114,916
+HK$5,754/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,324/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,955 · Scale 2, in force from 26 Feb 2026)