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$51,702
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,634/mo
Today · 4.125%
HK$54,944
baseline
▲ 0.50% · 4.625%
HK$58,287
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,888/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,518
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,060
−HK$1,565/mo
Today · 4.125%
HK$60,625
baseline
▲ 0.50% · 4.625%
HK$63,821
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,250/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,042
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,972
−HK$1,961/mo
Today · 4.125%
HK$65,933
baseline
▲ 0.50% · 4.625%
HK$69,944
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,866/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,021
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,872
−HK$1,878/mo
Today · 4.125%
HK$72,750
baseline
▲ 0.50% · 4.625%
HK$76,585
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,500/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,382
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,634
−HK$2,287/mo
Today · 4.125%
HK$76,921
baseline
▲ 0.50% · 4.625%
HK$81,602
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,842/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,525
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,684
−HK$2,191/mo
Today · 4.125%
HK$84,875
baseline
▲ 0.50% · 4.625%
HK$89,349
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,750/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,063
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,958
−HK$2,941/mo
Today · 4.125%
HK$98,899
baseline
▲ 0.50% · 4.625%
HK$104,917
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,798/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,532
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,308
−HK$2,817/mo
Today · 4.125%
HK$109,125
baseline
▲ 0.50% · 4.625%
HK$114,877
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,250/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,628 · Scale 2, in force from 26 Feb 2026)