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$51,670
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,277
−HK$1,633/mo
Today · 4.125%
HK$54,910
baseline
▲ 0.50% · 4.625%
HK$58,251
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,820/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,482
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,024
−HK$1,564/mo
Today · 4.125%
HK$60,588
baseline
▲ 0.50% · 4.625%
HK$63,782
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,176/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,004
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,959/mo
Today · 4.125%
HK$65,892
baseline
▲ 0.50% · 4.625%
HK$69,902
+HK$4,010/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$131,784/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,979
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$1,877/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$76,538
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,588
−HK$2,286/mo
Today · 4.125%
HK$76,874
baseline
▲ 0.50% · 4.625%
HK$81,552
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,748/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,475
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,634
−HK$2,189/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,294
+HK$4,471/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,006
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,899
−HK$2,939/mo
Today · 4.125%
HK$98,838
baseline
▲ 0.50% · 4.625%
HK$104,853
+HK$6,015/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,676/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,468
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,243
−HK$2,815/mo
Today · 4.125%
HK$109,058
baseline
▲ 0.50% · 4.625%
HK$114,807
+HK$5,749/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,116/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,040 · Scale 2, in force from 26 Feb 2026)