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$51,701
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,309
−HK$1,634/mo
Today · 4.125%
HK$54,943
baseline
▲ 0.50% · 4.625%
HK$58,286
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,886/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,516
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,565/mo
Today · 4.125%
HK$60,624
baseline
▲ 0.50% · 4.625%
HK$63,819
+HK$3,195/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,248/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,041
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,971
−HK$1,960/mo
Today · 4.125%
HK$65,931
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,862/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,020
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$1,878/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$76,583
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,381
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,632
−HK$2,288/mo
Today · 4.125%
HK$76,920
baseline
▲ 0.50% · 4.625%
HK$81,600
+HK$4,680/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,840/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,523
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,683
−HK$2,190/mo
Today · 4.125%
HK$84,873
baseline
▲ 0.50% · 4.625%
HK$89,347
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,746/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,061
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,956
−HK$2,941/mo
Today · 4.125%
HK$98,897
baseline
▲ 0.50% · 4.625%
HK$104,915
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,794/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,530
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,306
−HK$2,817/mo
Today · 4.125%
HK$109,123
baseline
▲ 0.50% · 4.625%
HK$114,875
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,246/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,610 · Scale 2, in force from 26 Feb 2026)