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$51,492
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,094
−HK$1,627/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$58,051
+HK$3,330/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,284
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,558/mo
Today · 4.125%
HK$60,379
baseline
▲ 0.50% · 4.625%
HK$63,562
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,758/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,790
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,953/mo
Today · 4.125%
HK$65,665
baseline
▲ 0.50% · 4.625%
HK$69,661
+HK$3,996/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,330/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,741
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,585
−HK$1,870/mo
Today · 4.125%
HK$72,455
baseline
▲ 0.50% · 4.625%
HK$76,274
+HK$3,819/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,910/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,089
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,331
−HK$2,278/mo
Today · 4.125%
HK$76,609
baseline
▲ 0.50% · 4.625%
HK$81,271
+HK$4,662/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$153,218/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,198
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,349
−HK$2,182/mo
Today · 4.125%
HK$84,531
baseline
▲ 0.50% · 4.625%
HK$88,986
+HK$4,455/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$169,062/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,685
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,568
−HK$2,930/mo
Today · 4.125%
HK$98,498
baseline
▲ 0.50% · 4.625%
HK$104,491
+HK$5,993/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,996/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,112
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,877
−HK$2,805/mo
Today · 4.125%
HK$108,682
baseline
▲ 0.50% · 4.625%
HK$114,411
+HK$5,729/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,364/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,719 · Scale 2, in force from 26 Feb 2026)