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$51,454
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,626/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$58,008
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,558/mo
Today · 4.125%
HK$60,335
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,670/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,745
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,951/mo
Today · 4.125%
HK$65,617
baseline
▲ 0.50% · 4.625%
HK$69,610
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,234/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,691
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,533
−HK$1,869/mo
Today · 4.125%
HK$72,402
baseline
▲ 0.50% · 4.625%
HK$76,218
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,804/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,036
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,277
−HK$2,276/mo
Today · 4.125%
HK$76,553
baseline
▲ 0.50% · 4.625%
HK$81,211
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,106/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,139
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,288
−HK$2,181/mo
Today · 4.125%
HK$84,469
baseline
▲ 0.50% · 4.625%
HK$88,921
+HK$4,452/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,938/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,618
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,927/mo
Today · 4.125%
HK$98,425
baseline
▲ 0.50% · 4.625%
HK$104,414
+HK$5,989/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,850/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,036
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,799
−HK$2,804/mo
Today · 4.125%
HK$108,603
baseline
▲ 0.50% · 4.625%
HK$114,327
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,206/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,017 · Scale 2, in force from 26 Feb 2026)