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$51,674
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,281
−HK$1,633/mo
Today · 4.125%
HK$54,914
baseline
▲ 0.50% · 4.625%
HK$58,256
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,828/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,487
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,564/mo
Today · 4.125%
HK$60,593
baseline
▲ 0.50% · 4.625%
HK$63,787
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,186/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,938
−HK$1,959/mo
Today · 4.125%
HK$65,897
baseline
▲ 0.50% · 4.625%
HK$69,907
+HK$4,010/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$131,794/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,984
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,834
−HK$1,877/mo
Today · 4.125%
HK$72,711
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$3,833/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$145,422/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,344
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,594
−HK$2,286/mo
Today · 4.125%
HK$76,880
baseline
▲ 0.50% · 4.625%
HK$81,558
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,760/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,482
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,640
−HK$2,190/mo
Today · 4.125%
HK$84,830
baseline
▲ 0.50% · 4.625%
HK$89,301
+HK$4,471/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,660/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,013
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,906
−HK$2,940/mo
Today · 4.125%
HK$98,846
baseline
▲ 0.50% · 4.625%
HK$104,861
+HK$6,015/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,692/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,476
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,251
−HK$2,816/mo
Today · 4.125%
HK$109,067
baseline
▲ 0.50% · 4.625%
HK$114,816
+HK$5,749/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,134/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,114 · Scale 2, in force from 26 Feb 2026)