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$51,735
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,345
−HK$1,635/mo
Today · 4.125%
HK$54,980
baseline
▲ 0.50% · 4.625%
HK$58,325
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,960/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,099
−HK$1,566/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,083
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,014
−HK$1,962/mo
Today · 4.125%
HK$65,976
baseline
▲ 0.50% · 4.625%
HK$69,990
+HK$4,014/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,952/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,066
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,919
−HK$1,879/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$76,635
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,430
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,683
−HK$2,289/mo
Today · 4.125%
HK$76,972
baseline
▲ 0.50% · 4.625%
HK$81,655
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,944/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,577
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,738
−HK$2,193/mo
Today · 4.125%
HK$84,931
baseline
▲ 0.50% · 4.625%
HK$89,407
+HK$4,476/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,862/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,124
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,021
−HK$2,943/mo
Today · 4.125%
HK$98,964
baseline
▲ 0.50% · 4.625%
HK$104,985
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,928/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,599
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,378
−HK$2,818/mo
Today · 4.125%
HK$109,196
baseline
▲ 0.50% · 4.625%
HK$114,952
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,392/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,259 · Scale 2, in force from 26 Feb 2026)