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$51,480
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,627/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$3,329/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,271
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,807
−HK$1,558/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$63,547
+HK$3,182/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,776
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,697
−HK$1,952/mo
Today · 4.125%
HK$65,649
baseline
▲ 0.50% · 4.625%
HK$69,644
+HK$3,995/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,298/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,725
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,568
−HK$1,870/mo
Today · 4.125%
HK$72,438
baseline
▲ 0.50% · 4.625%
HK$76,256
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,876/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,072
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,313
−HK$2,278/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$81,251
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,179
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,329
−HK$2,182/mo
Today · 4.125%
HK$84,511
baseline
▲ 0.50% · 4.625%
HK$88,965
+HK$4,454/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$169,022/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,663
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,546
−HK$2,928/mo
Today · 4.125%
HK$98,474
baseline
▲ 0.50% · 4.625%
HK$104,466
+HK$5,992/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,948/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,087
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,852
−HK$2,805/mo
Today · 4.125%
HK$108,657
baseline
▲ 0.50% · 4.625%
HK$114,384
+HK$5,727/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,314/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,492 · Scale 2, in force from 26 Feb 2026)