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$51,682
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,290
−HK$1,633/mo
Today · 4.125%
HK$54,923
baseline
▲ 0.50% · 4.625%
HK$58,265
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,846/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,496
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,565/mo
Today · 4.125%
HK$60,603
baseline
▲ 0.50% · 4.625%
HK$63,797
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,206/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,019
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,948
−HK$1,960/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,918
+HK$4,010/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,995
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,846
−HK$1,877/mo
Today · 4.125%
HK$72,723
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$3,833/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,446/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,606
−HK$2,287/mo
Today · 4.125%
HK$76,893
baseline
▲ 0.50% · 4.625%
HK$81,572
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,786/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,495
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,190/mo
Today · 4.125%
HK$84,844
baseline
▲ 0.50% · 4.625%
HK$89,316
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,688/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,028
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,922
−HK$2,940/mo
Today · 4.125%
HK$98,862
baseline
▲ 0.50% · 4.625%
HK$104,878
+HK$6,016/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,724/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,493
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,269
−HK$2,816/mo
Today · 4.125%
HK$109,085
baseline
▲ 0.50% · 4.625%
HK$114,835
+HK$5,750/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,170/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,271 · Scale 2, in force from 26 Feb 2026)