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$51,469
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,070
−HK$1,626/mo
Today · 4.125%
HK$54,696
baseline
▲ 0.50% · 4.625%
HK$58,024
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,392/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,794
−HK$1,558/mo
Today · 4.125%
HK$60,352
baseline
▲ 0.50% · 4.625%
HK$63,533
+HK$3,181/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,704/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,762
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,684
−HK$1,951/mo
Today · 4.125%
HK$65,635
baseline
▲ 0.50% · 4.625%
HK$69,629
+HK$3,994/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,270/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,710
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,553
−HK$1,869/mo
Today · 4.125%
HK$72,422
baseline
▲ 0.50% · 4.625%
HK$76,240
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,844/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,056
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,297
−HK$2,278/mo
Today · 4.125%
HK$76,575
baseline
▲ 0.50% · 4.625%
HK$81,234
+HK$4,659/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,150/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,162
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,312
−HK$2,181/mo
Today · 4.125%
HK$84,493
baseline
▲ 0.50% · 4.625%
HK$88,946
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,986/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,644
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,525
−HK$2,928/mo
Today · 4.125%
HK$98,453
baseline
▲ 0.50% · 4.625%
HK$104,444
+HK$5,991/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,906/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,065
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,829
−HK$2,804/mo
Today · 4.125%
HK$108,633
baseline
▲ 0.50% · 4.625%
HK$114,359
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,266/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,286 · Scale 2, in force from 26 Feb 2026)