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$51,476
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,627/mo
Today · 4.125%
HK$54,704
baseline
▲ 0.50% · 4.625%
HK$58,032
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,408/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,558/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,182/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,771
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,692
−HK$1,953/mo
Today · 4.125%
HK$65,645
baseline
▲ 0.50% · 4.625%
HK$69,639
+HK$3,994/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,290/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,720
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,563
−HK$1,869/mo
Today · 4.125%
HK$72,432
baseline
▲ 0.50% · 4.625%
HK$76,250
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,864/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,066
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,308
−HK$2,277/mo
Today · 4.125%
HK$76,585
baseline
▲ 0.50% · 4.625%
HK$81,245
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,170/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,173
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,323
−HK$2,181/mo
Today · 4.125%
HK$84,504
baseline
▲ 0.50% · 4.625%
HK$88,959
+HK$4,455/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$169,008/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,656
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,539
−HK$2,928/mo
Today · 4.125%
HK$98,467
baseline
▲ 0.50% · 4.625%
HK$104,458
+HK$5,991/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,934/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,079
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,844
−HK$2,804/mo
Today · 4.125%
HK$108,648
baseline
▲ 0.50% · 4.625%
HK$114,375
+HK$5,727/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,296/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,419 · Scale 2, in force from 26 Feb 2026)