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$51,602
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,630/mo
Today · 4.125%
HK$54,837
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$3,337/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,674/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,406
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,562/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,922
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,848
−HK$1,957/mo
Today · 4.125%
HK$65,805
baseline
▲ 0.50% · 4.625%
HK$69,809
+HK$4,004/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,610/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,887
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,735
−HK$1,874/mo
Today · 4.125%
HK$72,609
baseline
▲ 0.50% · 4.625%
HK$76,437
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,218/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,242
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,489
−HK$2,283/mo
Today · 4.125%
HK$76,772
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,544/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,369
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,524
−HK$2,187/mo
Today · 4.125%
HK$84,711
baseline
▲ 0.50% · 4.625%
HK$89,176
+HK$4,465/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,422/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,883
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,772
−HK$2,935/mo
Today · 4.125%
HK$98,707
baseline
▲ 0.50% · 4.625%
HK$104,713
+HK$6,006/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,414/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,331
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,102
−HK$2,812/mo
Today · 4.125%
HK$108,914
baseline
▲ 0.50% · 4.625%
HK$114,655
+HK$5,741/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,828/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,763 · Scale 2, in force from 26 Feb 2026)