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$51,661
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,632/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$58,241
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,013
−HK$1,564/mo
Today · 4.125%
HK$60,577
baseline
▲ 0.50% · 4.625%
HK$63,770
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,154/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,993
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,921
−HK$1,959/mo
Today · 4.125%
HK$65,880
baseline
▲ 0.50% · 4.625%
HK$69,889
+HK$4,009/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,760/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,966
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,816
−HK$1,876/mo
Today · 4.125%
HK$72,692
baseline
▲ 0.50% · 4.625%
HK$76,524
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,384/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,325
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,575
−HK$2,285/mo
Today · 4.125%
HK$76,860
baseline
▲ 0.50% · 4.625%
HK$81,537
+HK$4,677/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,720/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,461
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,619
−HK$2,189/mo
Today · 4.125%
HK$84,808
baseline
▲ 0.50% · 4.625%
HK$89,278
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,616/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,989
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,882
−HK$2,938/mo
Today · 4.125%
HK$98,820
baseline
▲ 0.50% · 4.625%
HK$104,833
+HK$6,013/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,640/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,449
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,224
−HK$2,814/mo
Today · 4.125%
HK$109,038
baseline
▲ 0.50% · 4.625%
HK$114,786
+HK$5,748/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,076/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,864 · Scale 2, in force from 26 Feb 2026)