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$51,666
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,633/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,478
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,019
−HK$1,564/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$63,777
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,999
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,928
−HK$1,959/mo
Today · 4.125%
HK$65,887
baseline
▲ 0.50% · 4.625%
HK$69,896
+HK$4,009/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,774/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,974
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,823
−HK$1,877/mo
Today · 4.125%
HK$72,700
baseline
▲ 0.50% · 4.625%
HK$76,532
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,400/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,332
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,582
−HK$2,286/mo
Today · 4.125%
HK$76,868
baseline
▲ 0.50% · 4.625%
HK$81,546
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,736/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,469
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,627
−HK$2,190/mo
Today · 4.125%
HK$84,817
baseline
▲ 0.50% · 4.625%
HK$89,287
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,634/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,999
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,892
−HK$2,939/mo
Today · 4.125%
HK$98,831
baseline
▲ 0.50% · 4.625%
HK$104,844
+HK$6,013/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,662/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,460
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,235
−HK$2,815/mo
Today · 4.125%
HK$109,050
baseline
▲ 0.50% · 4.625%
HK$114,798
+HK$5,748/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,100/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,965 · Scale 2, in force from 26 Feb 2026)