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$51,564
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,168
−HK$1,629/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$58,132
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,903
−HK$1,560/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$63,651
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,877
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,956/mo
Today · 4.125%
HK$65,757
baseline
▲ 0.50% · 4.625%
HK$69,758
+HK$4,001/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,514/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,837
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$1,873/mo
Today · 4.125%
HK$72,556
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,112/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,189
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,435
−HK$2,281/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,310
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,464
−HK$2,185/mo
Today · 4.125%
HK$84,649
baseline
▲ 0.50% · 4.625%
HK$89,111
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,298/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,933/mo
Today · 4.125%
HK$98,635
baseline
▲ 0.50% · 4.625%
HK$104,637
+HK$6,002/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,270/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,256
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,025
−HK$2,809/mo
Today · 4.125%
HK$108,834
baseline
▲ 0.50% · 4.625%
HK$114,571
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,668/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,060 · Scale 2, in force from 26 Feb 2026)