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$51,469
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,070
−HK$1,627/mo
Today · 4.125%
HK$54,697
baseline
▲ 0.50% · 4.625%
HK$58,025
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,394/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,259
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,795
−HK$1,558/mo
Today · 4.125%
HK$60,353
baseline
▲ 0.50% · 4.625%
HK$63,534
+HK$3,181/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,706/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,763
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,951/mo
Today · 4.125%
HK$65,636
baseline
▲ 0.50% · 4.625%
HK$69,630
+HK$3,994/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,272/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,711
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,554
−HK$1,869/mo
Today · 4.125%
HK$72,423
baseline
▲ 0.50% · 4.625%
HK$76,241
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,846/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,057
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,299
−HK$2,277/mo
Today · 4.125%
HK$76,576
baseline
▲ 0.50% · 4.625%
HK$81,235
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,152/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,163
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,313
−HK$2,181/mo
Today · 4.125%
HK$84,494
baseline
▲ 0.50% · 4.625%
HK$88,948
+HK$4,454/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,988/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,645
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,527
−HK$2,928/mo
Today · 4.125%
HK$98,455
baseline
▲ 0.50% · 4.625%
HK$104,445
+HK$5,990/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,910/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,067
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,831
−HK$2,804/mo
Today · 4.125%
HK$108,635
baseline
▲ 0.50% · 4.625%
HK$114,361
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,270/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,301 · Scale 2, in force from 26 Feb 2026)