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$51,706
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,315
−HK$1,634/mo
Today · 4.125%
HK$54,949
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,898/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,523
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,065
−HK$1,565/mo
Today · 4.125%
HK$60,630
baseline
▲ 0.50% · 4.625%
HK$63,826
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,260/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,961/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,950
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,027
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$1,878/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$76,592
+HK$3,836/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,640
−HK$2,288/mo
Today · 4.125%
HK$76,928
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,856/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,532
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,691
−HK$2,191/mo
Today · 4.125%
HK$84,882
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$4,475/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,764/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,071
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,966
−HK$2,941/mo
Today · 4.125%
HK$98,907
baseline
▲ 0.50% · 4.625%
HK$104,926
+HK$6,019/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,814/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,541
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,318
−HK$2,817/mo
Today · 4.125%
HK$109,135
baseline
▲ 0.50% · 4.625%
HK$114,887
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,270/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,713 · Scale 2, in force from 26 Feb 2026)