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$51,680
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,288
−HK$1,633/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$58,263
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,494
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,036
−HK$1,564/mo
Today · 4.125%
HK$60,600
baseline
▲ 0.50% · 4.625%
HK$63,794
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,200/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,946
−HK$1,959/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,916
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,993
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,843
−HK$1,877/mo
Today · 4.125%
HK$72,720
baseline
▲ 0.50% · 4.625%
HK$76,553
+HK$3,833/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,440/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,353
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,603
−HK$2,287/mo
Today · 4.125%
HK$76,890
baseline
▲ 0.50% · 4.625%
HK$81,568
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,780/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,491
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,650
−HK$2,190/mo
Today · 4.125%
HK$84,840
baseline
▲ 0.50% · 4.625%
HK$89,312
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,680/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,025
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,918
−HK$2,940/mo
Today · 4.125%
HK$98,858
baseline
▲ 0.50% · 4.625%
HK$104,873
+HK$6,015/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,716/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,489
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,265
−HK$2,815/mo
Today · 4.125%
HK$109,080
baseline
▲ 0.50% · 4.625%
HK$114,830
+HK$5,750/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,160/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,233 · Scale 2, in force from 26 Feb 2026)