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$51,595
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,631/mo
Today · 4.125%
HK$54,830
baseline
▲ 0.50% · 4.625%
HK$58,166
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,660/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,561/mo
Today · 4.125%
HK$60,499
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,998/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,913
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,839
−HK$1,957/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,799
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,878
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,725
−HK$1,874/mo
Today · 4.125%
HK$72,599
baseline
▲ 0.50% · 4.625%
HK$76,426
+HK$3,827/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,198/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,232
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$2,283/mo
Today · 4.125%
HK$76,762
baseline
▲ 0.50% · 4.625%
HK$81,433
+HK$4,671/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,524/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,358
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,513
−HK$2,186/mo
Today · 4.125%
HK$84,699
baseline
▲ 0.50% · 4.625%
HK$89,164
+HK$4,465/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,398/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,870
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,759
−HK$2,935/mo
Today · 4.125%
HK$98,694
baseline
▲ 0.50% · 4.625%
HK$104,699
+HK$6,005/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,388/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,317
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,088
−HK$2,811/mo
Today · 4.125%
HK$108,899
baseline
▲ 0.50% · 4.625%
HK$114,639
+HK$5,740/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,798/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,632 · Scale 2, in force from 26 Feb 2026)