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$51,594
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,630/mo
Today · 4.125%
HK$54,829
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,658/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,397
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,561/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$63,687
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,838
−HK$1,957/mo
Today · 4.125%
HK$65,795
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,590/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,877
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$1,874/mo
Today · 4.125%
HK$72,598
baseline
▲ 0.50% · 4.625%
HK$76,425
+HK$3,827/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,196/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,231
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,478
−HK$2,283/mo
Today · 4.125%
HK$76,761
baseline
▲ 0.50% · 4.625%
HK$81,431
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,522/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,356
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,512
−HK$2,186/mo
Today · 4.125%
HK$84,698
baseline
▲ 0.50% · 4.625%
HK$89,162
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,396/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,869
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,757
−HK$2,935/mo
Today · 4.125%
HK$98,692
baseline
▲ 0.50% · 4.625%
HK$104,697
+HK$6,005/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,384/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,315
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,086
−HK$2,811/mo
Today · 4.125%
HK$108,897
baseline
▲ 0.50% · 4.625%
HK$114,637
+HK$5,740/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,794/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,617 · Scale 2, in force from 26 Feb 2026)