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$51,653
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,260
−HK$1,632/mo
Today · 4.125%
HK$54,892
baseline
▲ 0.50% · 4.625%
HK$58,232
+HK$3,340/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,784/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,463
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,004
−HK$1,564/mo
Today · 4.125%
HK$60,568
baseline
▲ 0.50% · 4.625%
HK$63,760
+HK$3,192/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,136/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,983
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,911
−HK$1,959/mo
Today · 4.125%
HK$65,870
baseline
▲ 0.50% · 4.625%
HK$69,878
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,740/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,805
−HK$1,876/mo
Today · 4.125%
HK$72,681
baseline
▲ 0.50% · 4.625%
HK$76,513
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,362/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,314
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,563
−HK$2,286/mo
Today · 4.125%
HK$76,849
baseline
▲ 0.50% · 4.625%
HK$81,525
+HK$4,676/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,698/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,449
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,606
−HK$2,189/mo
Today · 4.125%
HK$84,795
baseline
▲ 0.50% · 4.625%
HK$89,265
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,590/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,975
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,867
−HK$2,939/mo
Today · 4.125%
HK$98,806
baseline
▲ 0.50% · 4.625%
HK$104,818
+HK$6,012/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,612/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,434
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,208
−HK$2,814/mo
Today · 4.125%
HK$109,022
baseline
▲ 0.50% · 4.625%
HK$114,769
+HK$5,747/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,044/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,720 · Scale 2, in force from 26 Feb 2026)