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$51,690
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,298
−HK$1,634/mo
Today · 4.125%
HK$54,932
baseline
▲ 0.50% · 4.625%
HK$58,274
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,864/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,505
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,047
−HK$1,565/mo
Today · 4.125%
HK$60,612
baseline
▲ 0.50% · 4.625%
HK$63,807
+HK$3,195/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,224/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,028
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,958
−HK$1,960/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,929
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,006
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,857
−HK$1,877/mo
Today · 4.125%
HK$72,734
baseline
▲ 0.50% · 4.625%
HK$76,568
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,468/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,367
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,618
−HK$2,287/mo
Today · 4.125%
HK$76,905
baseline
▲ 0.50% · 4.625%
HK$81,584
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,810/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,507
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,666
−HK$2,191/mo
Today · 4.125%
HK$84,857
baseline
▲ 0.50% · 4.625%
HK$89,330
+HK$4,473/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,714/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,043
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,937
−HK$2,940/mo
Today · 4.125%
HK$98,877
baseline
▲ 0.50% · 4.625%
HK$104,894
+HK$6,017/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,754/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,509
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,285
−HK$2,816/mo
Today · 4.125%
HK$109,101
baseline
▲ 0.50% · 4.625%
HK$114,852
+HK$5,751/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,202/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,419 · Scale 2, in force from 26 Feb 2026)