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$51,682
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,290
−HK$1,633/mo
Today · 4.125%
HK$54,923
baseline
▲ 0.50% · 4.625%
HK$58,265
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,846/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,496
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,564/mo
Today · 4.125%
HK$60,602
baseline
▲ 0.50% · 4.625%
HK$63,796
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,204/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,018
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,960/mo
Today · 4.125%
HK$65,907
baseline
▲ 0.50% · 4.625%
HK$69,918
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,814/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,995
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,845
−HK$1,877/mo
Today · 4.125%
HK$72,722
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,444/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$2,287/mo
Today · 4.125%
HK$76,892
baseline
▲ 0.50% · 4.625%
HK$81,571
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,784/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,494
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,653
−HK$2,190/mo
Today · 4.125%
HK$84,843
baseline
▲ 0.50% · 4.625%
HK$89,315
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,686/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,028
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,921
−HK$2,940/mo
Today · 4.125%
HK$98,861
baseline
▲ 0.50% · 4.625%
HK$104,877
+HK$6,016/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,722/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,492
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,268
−HK$2,816/mo
Today · 4.125%
HK$109,084
baseline
▲ 0.50% · 4.625%
HK$114,834
+HK$5,750/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,168/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,262 · Scale 2, in force from 26 Feb 2026)