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$51,672
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,280
−HK$1,633/mo
Today · 4.125%
HK$54,913
baseline
▲ 0.50% · 4.625%
HK$58,254
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,826/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,485
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,027
−HK$1,564/mo
Today · 4.125%
HK$60,591
baseline
▲ 0.50% · 4.625%
HK$63,785
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,182/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,007
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,936
−HK$1,959/mo
Today · 4.125%
HK$65,895
baseline
▲ 0.50% · 4.625%
HK$69,905
+HK$4,010/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$131,790/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,982
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,832
−HK$1,877/mo
Today · 4.125%
HK$72,709
baseline
▲ 0.50% · 4.625%
HK$76,541
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$145,418/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,341
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,591
−HK$2,287/mo
Today · 4.125%
HK$76,878
baseline
▲ 0.50% · 4.625%
HK$81,556
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,756/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,479
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,637
−HK$2,190/mo
Today · 4.125%
HK$84,827
baseline
▲ 0.50% · 4.625%
HK$89,298
+HK$4,471/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,654/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,010
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,903
−HK$2,940/mo
Today · 4.125%
HK$98,843
baseline
▲ 0.50% · 4.625%
HK$104,857
+HK$6,014/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,686/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,473
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,248
−HK$2,815/mo
Today · 4.125%
HK$109,063
baseline
▲ 0.50% · 4.625%
HK$114,812
+HK$5,749/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,126/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,083 · Scale 2, in force from 26 Feb 2026)