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$51,635
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,632/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$58,212
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,444
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,563/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,192/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,962
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,958/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,932
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,781
−HK$1,876/mo
Today · 4.125%
HK$72,657
baseline
▲ 0.50% · 4.625%
HK$76,486
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,314/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,289
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$2,284/mo
Today · 4.125%
HK$76,822
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,675/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,644/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,421
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,188/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,234
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,943
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,834
−HK$2,938/mo
Today · 4.125%
HK$98,772
baseline
▲ 0.50% · 4.625%
HK$104,782
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,544/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,399
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,172
−HK$2,813/mo
Today · 4.125%
HK$108,985
baseline
▲ 0.50% · 4.625%
HK$114,730
+HK$5,745/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,970/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,391 · Scale 2, in force from 26 Feb 2026)