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$51,463
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,064
−HK$1,627/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$58,018
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,252
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,788
−HK$1,558/mo
Today · 4.125%
HK$60,346
baseline
▲ 0.50% · 4.625%
HK$63,526
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,692/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,756
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,677
−HK$1,952/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,622
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,703
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,545
−HK$1,870/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$3,817/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,049
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,290
−HK$2,277/mo
Today · 4.125%
HK$76,567
baseline
▲ 0.50% · 4.625%
HK$81,226
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,134/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,153
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,181/mo
Today · 4.125%
HK$84,484
baseline
▲ 0.50% · 4.625%
HK$88,937
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,968/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,634
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,515
−HK$2,928/mo
Today · 4.125%
HK$98,443
baseline
▲ 0.50% · 4.625%
HK$104,433
+HK$5,990/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,886/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,054
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,818
−HK$2,804/mo
Today · 4.125%
HK$108,622
baseline
▲ 0.50% · 4.625%
HK$114,348
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,244/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,187 · Scale 2, in force from 26 Feb 2026)