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$51,606
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,211
−HK$1,631/mo
Today · 4.125%
HK$54,842
baseline
▲ 0.50% · 4.625%
HK$58,179
+HK$3,337/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,684/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,411
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,562/mo
Today · 4.125%
HK$60,512
baseline
▲ 0.50% · 4.625%
HK$63,702
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,024/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,927
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,853
−HK$1,957/mo
Today · 4.125%
HK$65,810
baseline
▲ 0.50% · 4.625%
HK$69,814
+HK$4,004/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,620/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,893
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$1,875/mo
Today · 4.125%
HK$72,615
baseline
▲ 0.50% · 4.625%
HK$76,442
+HK$3,827/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,230/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,248
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,495
−HK$2,283/mo
Today · 4.125%
HK$76,778
baseline
▲ 0.50% · 4.625%
HK$81,450
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,556/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,375
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,531
−HK$2,186/mo
Today · 4.125%
HK$84,717
baseline
▲ 0.50% · 4.625%
HK$89,183
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,434/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,890
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,779
−HK$2,936/mo
Today · 4.125%
HK$98,715
baseline
▲ 0.50% · 4.625%
HK$104,722
+HK$6,007/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,430/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,339
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,111
−HK$2,811/mo
Today · 4.125%
HK$108,922
baseline
▲ 0.50% · 4.625%
HK$114,664
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,844/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,838 · Scale 2, in force from 26 Feb 2026)