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$51,734
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,635/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$3,346/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,554
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,097
−HK$1,566/mo
Today · 4.125%
HK$60,663
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,198/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,326/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,081
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,012
−HK$1,962/mo
Today · 4.125%
HK$65,974
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$4,014/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,948/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,064
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$1,879/mo
Today · 4.125%
HK$72,796
baseline
▲ 0.50% · 4.625%
HK$76,633
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,592/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,428
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,681
−HK$2,289/mo
Today · 4.125%
HK$76,970
baseline
▲ 0.50% · 4.625%
HK$81,653
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,940/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,575
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,736
−HK$2,192/mo
Today · 4.125%
HK$84,928
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,856/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,121
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,018
−HK$2,943/mo
Today · 4.125%
HK$98,961
baseline
▲ 0.50% · 4.625%
HK$104,982
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,922/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,597
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,375
−HK$2,819/mo
Today · 4.125%
HK$109,194
baseline
▲ 0.50% · 4.625%
HK$114,949
+HK$5,755/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,388/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,234 · Scale 2, in force from 26 Feb 2026)