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$51,563
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,167
−HK$1,630/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$3,334/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,364
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,902
−HK$1,561/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$63,650
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,876
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,955/mo
Today · 4.125%
HK$65,756
baseline
▲ 0.50% · 4.625%
HK$69,757
+HK$4,001/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,512/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,836
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$1,872/mo
Today · 4.125%
HK$72,555
baseline
▲ 0.50% · 4.625%
HK$76,380
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,110/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,189
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,434
−HK$2,282/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$81,383
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,309
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,185/mo
Today · 4.125%
HK$84,648
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,296/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,814
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,701
−HK$2,933/mo
Today · 4.125%
HK$98,634
baseline
▲ 0.50% · 4.625%
HK$104,636
+HK$6,002/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,268/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,255
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,024
−HK$2,809/mo
Today · 4.125%
HK$108,833
baseline
▲ 0.50% · 4.625%
HK$114,570
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,666/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,051 · Scale 2, in force from 26 Feb 2026)