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$51,712
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,321
−HK$1,634/mo
Today · 4.125%
HK$54,955
baseline
▲ 0.50% · 4.625%
HK$58,299
+HK$3,344/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,910/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,530
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,072
−HK$1,566/mo
Today · 4.125%
HK$60,638
baseline
▲ 0.50% · 4.625%
HK$63,834
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,276/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,055
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,985
−HK$1,961/mo
Today · 4.125%
HK$65,946
baseline
▲ 0.50% · 4.625%
HK$69,959
+HK$4,013/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,892/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,035
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,887
−HK$1,878/mo
Today · 4.125%
HK$72,765
baseline
▲ 0.50% · 4.625%
HK$76,601
+HK$3,836/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,530/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,397
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,649
−HK$2,288/mo
Today · 4.125%
HK$76,937
baseline
▲ 0.50% · 4.625%
HK$81,619
+HK$4,682/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,874/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,541
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,701
−HK$2,192/mo
Today · 4.125%
HK$84,893
baseline
▲ 0.50% · 4.625%
HK$89,368
+HK$4,475/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,786/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,082
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,941/mo
Today · 4.125%
HK$98,919
baseline
▲ 0.50% · 4.625%
HK$104,938
+HK$6,019/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,838/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,553
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,330
−HK$2,818/mo
Today · 4.125%
HK$109,148
baseline
▲ 0.50% · 4.625%
HK$114,901
+HK$5,753/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,296/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,829 · Scale 2, in force from 26 Feb 2026)