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$51,470
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,071
−HK$1,627/mo
Today · 4.125%
HK$54,698
baseline
▲ 0.50% · 4.625%
HK$58,026
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,396/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,260
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,796
−HK$1,558/mo
Today · 4.125%
HK$60,354
baseline
▲ 0.50% · 4.625%
HK$63,535
+HK$3,181/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,708/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,764
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,686
−HK$1,952/mo
Today · 4.125%
HK$65,638
baseline
▲ 0.50% · 4.625%
HK$69,631
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,276/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,712
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,555
−HK$1,870/mo
Today · 4.125%
HK$72,425
baseline
▲ 0.50% · 4.625%
HK$76,242
+HK$3,817/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,850/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,059
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,300
−HK$2,277/mo
Today · 4.125%
HK$76,577
baseline
▲ 0.50% · 4.625%
HK$81,237
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,154/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,164
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,314
−HK$2,181/mo
Today · 4.125%
HK$84,495
baseline
▲ 0.50% · 4.625%
HK$88,949
+HK$4,454/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,990/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,647
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,528
−HK$2,928/mo
Today · 4.125%
HK$98,456
baseline
▲ 0.50% · 4.625%
HK$104,447
+HK$5,991/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,912/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,068
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,833
−HK$2,804/mo
Today · 4.125%
HK$108,637
baseline
▲ 0.50% · 4.625%
HK$114,363
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,274/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,318 · Scale 2, in force from 26 Feb 2026)