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$51,658
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,265
−HK$1,632/mo
Today · 4.125%
HK$54,897
baseline
▲ 0.50% · 4.625%
HK$58,238
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,794/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,469
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,010
−HK$1,564/mo
Today · 4.125%
HK$60,574
baseline
▲ 0.50% · 4.625%
HK$63,767
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,148/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,990
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,918
−HK$1,959/mo
Today · 4.125%
HK$65,877
baseline
▲ 0.50% · 4.625%
HK$69,885
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,754/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,963
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,812
−HK$1,877/mo
Today · 4.125%
HK$72,689
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,378/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,321
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,571
−HK$2,285/mo
Today · 4.125%
HK$76,856
baseline
▲ 0.50% · 4.625%
HK$81,533
+HK$4,677/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,712/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,457
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,615
−HK$2,189/mo
Today · 4.125%
HK$84,804
baseline
▲ 0.50% · 4.625%
HK$89,274
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,608/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,985
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,877
−HK$2,938/mo
Today · 4.125%
HK$98,815
baseline
▲ 0.50% · 4.625%
HK$104,828
+HK$6,013/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,630/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,444
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,219
−HK$2,814/mo
Today · 4.125%
HK$109,033
baseline
▲ 0.50% · 4.625%
HK$114,780
+HK$5,747/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,066/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,817 · Scale 2, in force from 26 Feb 2026)