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$51,745
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,354
−HK$1,636/mo
Today · 4.125%
HK$54,990
baseline
▲ 0.50% · 4.625%
HK$58,335
+HK$3,345/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,980/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,565
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,109
−HK$1,566/mo
Today · 4.125%
HK$60,675
baseline
▲ 0.50% · 4.625%
HK$63,874
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,350/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,094
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,025
−HK$1,962/mo
Today · 4.125%
HK$65,987
baseline
▲ 0.50% · 4.625%
HK$70,003
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,974/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,078
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,931
−HK$1,880/mo
Today · 4.125%
HK$72,811
baseline
▲ 0.50% · 4.625%
HK$76,649
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,622/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,443
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$2,289/mo
Today · 4.125%
HK$76,985
baseline
▲ 0.50% · 4.625%
HK$81,670
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,970/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,592
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,193/mo
Today · 4.125%
HK$84,946
baseline
▲ 0.50% · 4.625%
HK$89,423
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,892/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,140
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,038
−HK$2,943/mo
Today · 4.125%
HK$98,981
baseline
▲ 0.50% · 4.625%
HK$105,004
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,962/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,618
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,397
−HK$2,819/mo
Today · 4.125%
HK$109,216
baseline
▲ 0.50% · 4.625%
HK$114,973
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,432/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,431 · Scale 2, in force from 26 Feb 2026)