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$51,704
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,312
−HK$1,634/mo
Today · 4.125%
HK$54,946
baseline
▲ 0.50% · 4.625%
HK$58,290
+HK$3,344/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,892/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,520
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,063
−HK$1,565/mo
Today · 4.125%
HK$60,628
baseline
▲ 0.50% · 4.625%
HK$63,824
+HK$3,196/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,256/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,975
−HK$1,961/mo
Today · 4.125%
HK$65,936
baseline
▲ 0.50% · 4.625%
HK$69,948
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,872/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$1,878/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,386
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,637
−HK$2,288/mo
Today · 4.125%
HK$76,925
baseline
▲ 0.50% · 4.625%
HK$81,606
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,850/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,528
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,688
−HK$2,191/mo
Today · 4.125%
HK$84,879
baseline
▲ 0.50% · 4.625%
HK$89,353
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,758/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,067
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,962
−HK$2,941/mo
Today · 4.125%
HK$98,903
baseline
▲ 0.50% · 4.625%
HK$104,921
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,806/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,536
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,313
−HK$2,817/mo
Today · 4.125%
HK$109,130
baseline
▲ 0.50% · 4.625%
HK$114,883
+HK$5,753/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,260/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,674 · Scale 2, in force from 26 Feb 2026)