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$51,738
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,347
−HK$1,635/mo
Today · 4.125%
HK$54,982
baseline
▲ 0.50% · 4.625%
HK$58,328
+HK$3,346/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,964/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,558
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,101
−HK$1,566/mo
Today · 4.125%
HK$60,667
baseline
▲ 0.50% · 4.625%
HK$63,865
+HK$3,198/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,334/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,085
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,017
−HK$1,962/mo
Today · 4.125%
HK$65,979
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$4,014/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,958/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,069
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,922
−HK$1,879/mo
Today · 4.125%
HK$72,801
baseline
▲ 0.50% · 4.625%
HK$76,638
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,602/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,433
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,686
−HK$2,289/mo
Today · 4.125%
HK$76,975
baseline
▲ 0.50% · 4.625%
HK$81,659
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,950/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,581
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,742
−HK$2,192/mo
Today · 4.125%
HK$84,934
baseline
▲ 0.50% · 4.625%
HK$89,411
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,868/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,128
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,025
−HK$2,943/mo
Today · 4.125%
HK$98,968
baseline
▲ 0.50% · 4.625%
HK$104,990
+HK$6,022/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,936/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,604
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$2,818/mo
Today · 4.125%
HK$109,201
baseline
▲ 0.50% · 4.625%
HK$114,957
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,402/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,302 · Scale 2, in force from 26 Feb 2026)