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$51,459
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,060
−HK$1,626/mo
Today · 4.125%
HK$54,686
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,372/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,783
−HK$1,558/mo
Today · 4.125%
HK$60,341
baseline
▲ 0.50% · 4.625%
HK$63,521
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,682/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,751
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,951/mo
Today · 4.125%
HK$65,623
baseline
▲ 0.50% · 4.625%
HK$69,616
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,246/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,697
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,540
−HK$1,869/mo
Today · 4.125%
HK$72,409
baseline
▲ 0.50% · 4.625%
HK$76,225
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,818/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,043
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,284
−HK$2,276/mo
Today · 4.125%
HK$76,560
baseline
▲ 0.50% · 4.625%
HK$81,219
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,120/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,147
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,296
−HK$2,181/mo
Today · 4.125%
HK$84,477
baseline
▲ 0.50% · 4.625%
HK$88,930
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,954/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,626
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,507
−HK$2,928/mo
Today · 4.125%
HK$98,435
baseline
▲ 0.50% · 4.625%
HK$104,424
+HK$5,989/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,870/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,046
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,809
−HK$2,804/mo
Today · 4.125%
HK$108,613
baseline
▲ 0.50% · 4.625%
HK$114,338
+HK$5,725/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,226/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,106 · Scale 2, in force from 26 Feb 2026)