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$51,498
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,100
−HK$1,627/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$58,057
+HK$3,330/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,454/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,291
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,827
−HK$1,559/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$63,569
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,797
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,720
−HK$1,953/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,669
+HK$3,996/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,749
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$1,870/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,283
+HK$3,820/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,097
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,340
−HK$2,278/mo
Today · 4.125%
HK$76,618
baseline
▲ 0.50% · 4.625%
HK$81,280
+HK$4,662/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,236/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,207
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,358
−HK$2,183/mo
Today · 4.125%
HK$84,541
baseline
▲ 0.50% · 4.625%
HK$88,997
+HK$4,456/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,082/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,696
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,580
−HK$2,929/mo
Today · 4.125%
HK$98,509
baseline
▲ 0.50% · 4.625%
HK$104,503
+HK$5,994/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,018/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,124
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,889
−HK$2,806/mo
Today · 4.125%
HK$108,695
baseline
▲ 0.50% · 4.625%
HK$114,424
+HK$5,729/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,390/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,831 · Scale 2, in force from 26 Feb 2026)