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$51,620
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,226
−HK$1,631/mo
Today · 4.125%
HK$54,857
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,714/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,427
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,967
−HK$1,562/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$63,720
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,944
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,871
−HK$1,957/mo
Today · 4.125%
HK$65,828
baseline
▲ 0.50% · 4.625%
HK$69,834
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,656/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,912
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,760
−HK$1,875/mo
Today · 4.125%
HK$72,635
baseline
▲ 0.50% · 4.625%
HK$76,464
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,270/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,268
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,516
−HK$2,284/mo
Today · 4.125%
HK$76,800
baseline
▲ 0.50% · 4.625%
HK$81,473
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,600/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,397
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,553
−HK$2,188/mo
Today · 4.125%
HK$84,741
baseline
▲ 0.50% · 4.625%
HK$89,208
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,482/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,916
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,806
−HK$2,936/mo
Today · 4.125%
HK$98,742
baseline
▲ 0.50% · 4.625%
HK$104,751
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,484/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,368
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,140
−HK$2,813/mo
Today · 4.125%
HK$108,953
baseline
▲ 0.50% · 4.625%
HK$114,696
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,906/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,106 · Scale 2, in force from 26 Feb 2026)