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$51,735
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,344
−HK$1,635/mo
Today · 4.125%
HK$54,979
baseline
▲ 0.50% · 4.625%
HK$58,325
+HK$3,346/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,958/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,098
−HK$1,566/mo
Today · 4.125%
HK$60,664
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,198/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,328/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,082
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,013
−HK$1,962/mo
Today · 4.125%
HK$65,975
baseline
▲ 0.50% · 4.625%
HK$69,990
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,950/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,066
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,918
−HK$1,879/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,429
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,682
−HK$2,289/mo
Today · 4.125%
HK$76,971
baseline
▲ 0.50% · 4.625%
HK$81,655
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,942/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,577
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,738
−HK$2,192/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$89,407
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,123
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,020
−HK$2,943/mo
Today · 4.125%
HK$98,963
baseline
▲ 0.50% · 4.625%
HK$104,985
+HK$6,022/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,926/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,599
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,377
−HK$2,819/mo
Today · 4.125%
HK$109,196
baseline
▲ 0.50% · 4.625%
HK$114,952
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,392/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,253 · Scale 2, in force from 26 Feb 2026)