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$51,686
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,633/mo
Today · 4.125%
HK$54,927
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$3,343/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,854/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,500
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,042
−HK$1,565/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$63,802
+HK$3,195/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,953
−HK$1,960/mo
Today · 4.125%
HK$65,913
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$4,010/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,826/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,851
−HK$1,877/mo
Today · 4.125%
HK$72,728
baseline
▲ 0.50% · 4.625%
HK$76,562
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,456/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,361
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,611
−HK$2,287/mo
Today · 4.125%
HK$76,898
baseline
▲ 0.50% · 4.625%
HK$81,577
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,796/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,500
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,659
−HK$2,191/mo
Today · 4.125%
HK$84,850
baseline
▲ 0.50% · 4.625%
HK$89,322
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,700/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,035
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,929
−HK$2,940/mo
Today · 4.125%
HK$98,869
baseline
▲ 0.50% · 4.625%
HK$104,885
+HK$6,016/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,738/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,501
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,276
−HK$2,816/mo
Today · 4.125%
HK$109,092
baseline
▲ 0.50% · 4.625%
HK$114,843
+HK$5,751/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,184/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,340 · Scale 2, in force from 26 Feb 2026)