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$51,587
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,192
−HK$1,630/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,562/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,904
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,830
−HK$1,956/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,868
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,715
−HK$1,874/mo
Today · 4.125%
HK$72,589
baseline
▲ 0.50% · 4.625%
HK$76,415
+HK$3,826/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,178/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,222
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$2,283/mo
Today · 4.125%
HK$76,751
baseline
▲ 0.50% · 4.625%
HK$81,421
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,502/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,346
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,501
−HK$2,186/mo
Today · 4.125%
HK$84,687
baseline
▲ 0.50% · 4.625%
HK$89,151
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,374/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,857
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,745
−HK$2,935/mo
Today · 4.125%
HK$98,680
baseline
▲ 0.50% · 4.625%
HK$104,684
+HK$6,004/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,360/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,302
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,073
−HK$2,810/mo
Today · 4.125%
HK$108,883
baseline
▲ 0.50% · 4.625%
HK$114,623
+HK$5,740/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,766/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,494 · Scale 2, in force from 26 Feb 2026)