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$51,494
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,096
−HK$1,628/mo
Today · 4.125%
HK$54,724
baseline
▲ 0.50% · 4.625%
HK$58,053
+HK$3,329/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,448/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,287
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,559/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$63,565
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,793
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,715
−HK$1,953/mo
Today · 4.125%
HK$65,668
baseline
▲ 0.50% · 4.625%
HK$69,664
+HK$3,996/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,336/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,744
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,588
−HK$1,870/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,278
+HK$3,820/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,092
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$2,278/mo
Today · 4.125%
HK$76,613
baseline
▲ 0.50% · 4.625%
HK$81,275
+HK$4,662/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$153,226/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,202
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,353
−HK$2,182/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$88,991
+HK$4,456/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,690
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,573
−HK$2,929/mo
Today · 4.125%
HK$98,502
baseline
▲ 0.50% · 4.625%
HK$104,496
+HK$5,994/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$197,004/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,117
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,882
−HK$2,806/mo
Today · 4.125%
HK$108,688
baseline
▲ 0.50% · 4.625%
HK$114,417
+HK$5,729/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,376/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,766 · Scale 2, in force from 26 Feb 2026)