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$51,567
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,171
−HK$1,630/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$58,136
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,368
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,561/mo
Today · 4.125%
HK$60,468
baseline
▲ 0.50% · 4.625%
HK$63,655
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,936/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,881
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,955/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,763
+HK$4,002/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,842
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,688
−HK$1,873/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,386
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,194
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,440
−HK$2,282/mo
Today · 4.125%
HK$76,722
baseline
▲ 0.50% · 4.625%
HK$81,390
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,444/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,316
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,470
−HK$2,185/mo
Today · 4.125%
HK$84,655
baseline
▲ 0.50% · 4.625%
HK$89,117
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,310/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,821
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,709
−HK$2,933/mo
Today · 4.125%
HK$98,642
baseline
▲ 0.50% · 4.625%
HK$104,644
+HK$6,002/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,284/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,263
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,032
−HK$2,810/mo
Today · 4.125%
HK$108,842
baseline
▲ 0.50% · 4.625%
HK$114,579
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,684/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,128 · Scale 2, in force from 26 Feb 2026)