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$51,691
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,299
−HK$1,634/mo
Today · 4.125%
HK$54,933
baseline
▲ 0.50% · 4.625%
HK$58,275
+HK$3,342/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,866/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,506
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,048
−HK$1,565/mo
Today · 4.125%
HK$60,613
baseline
▲ 0.50% · 4.625%
HK$63,808
+HK$3,195/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,226/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,960/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,931
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,007
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,858
−HK$1,878/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$76,570
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,368
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,619
−HK$2,287/mo
Today · 4.125%
HK$76,906
baseline
▲ 0.50% · 4.625%
HK$81,586
+HK$4,680/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,812/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,509
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,668
−HK$2,190/mo
Today · 4.125%
HK$84,858
baseline
▲ 0.50% · 4.625%
HK$89,331
+HK$4,473/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,716/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,045
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,939
−HK$2,940/mo
Today · 4.125%
HK$98,879
baseline
▲ 0.50% · 4.625%
HK$104,896
+HK$6,017/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,758/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,511
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,287
−HK$2,816/mo
Today · 4.125%
HK$109,103
baseline
▲ 0.50% · 4.625%
HK$114,854
+HK$5,751/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,206/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,438 · Scale 2, in force from 26 Feb 2026)