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$51,457
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,057
−HK$1,627/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$58,011
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,245
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,557/mo
Today · 4.125%
HK$60,338
baseline
▲ 0.50% · 4.625%
HK$63,519
+HK$3,181/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,676/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,748
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,669
−HK$1,951/mo
Today · 4.125%
HK$65,620
baseline
▲ 0.50% · 4.625%
HK$69,613
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,240/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,694
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,537
−HK$1,869/mo
Today · 4.125%
HK$72,406
baseline
▲ 0.50% · 4.625%
HK$76,222
+HK$3,816/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,812/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,040
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,280
−HK$2,277/mo
Today · 4.125%
HK$76,557
baseline
▲ 0.50% · 4.625%
HK$81,215
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,114/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,143
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,293
−HK$2,180/mo
Today · 4.125%
HK$84,473
baseline
▲ 0.50% · 4.625%
HK$88,926
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,946/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,622
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,503
−HK$2,928/mo
Today · 4.125%
HK$98,431
baseline
▲ 0.50% · 4.625%
HK$104,420
+HK$5,989/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,862/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,041
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$105,805
−HK$2,803/mo
Today · 4.125%
HK$108,608
baseline
▲ 0.50% · 4.625%
HK$114,333
+HK$5,725/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,216/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,066 · Scale 2, in force from 26 Feb 2026)