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$51,737
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,346
−HK$1,635/mo
Today · 4.125%
HK$54,981
baseline
▲ 0.50% · 4.625%
HK$58,326
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,962/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,556
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,100
−HK$1,566/mo
Today · 4.125%
HK$60,666
baseline
▲ 0.50% · 4.625%
HK$63,864
+HK$3,198/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,332/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,084
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,015
−HK$1,962/mo
Today · 4.125%
HK$65,977
baseline
▲ 0.50% · 4.625%
HK$69,992
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,954/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,068
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,920
−HK$1,879/mo
Today · 4.125%
HK$72,799
baseline
▲ 0.50% · 4.625%
HK$76,637
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,598/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,431
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,684
−HK$2,289/mo
Today · 4.125%
HK$76,973
baseline
▲ 0.50% · 4.625%
HK$81,657
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,946/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,579
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,740
−HK$2,192/mo
Today · 4.125%
HK$84,932
baseline
▲ 0.50% · 4.625%
HK$89,409
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,864/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,126
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,023
−HK$2,943/mo
Today · 4.125%
HK$98,966
baseline
▲ 0.50% · 4.625%
HK$104,987
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,932/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,602
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,380
−HK$2,819/mo
Today · 4.125%
HK$109,199
baseline
▲ 0.50% · 4.625%
HK$114,955
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,398/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,279 · Scale 2, in force from 26 Feb 2026)