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$51,611
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,631/mo
Today · 4.125%
HK$54,847
baseline
▲ 0.50% · 4.625%
HK$58,185
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,694/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,417
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,957
−HK$1,562/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,933
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,957/mo
Today · 4.125%
HK$65,817
baseline
▲ 0.50% · 4.625%
HK$69,822
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,634/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,900
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,748
−HK$1,875/mo
Today · 4.125%
HK$72,623
baseline
▲ 0.50% · 4.625%
HK$76,451
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,246/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,255
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,503
−HK$2,283/mo
Today · 4.125%
HK$76,786
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,572/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,383
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,539
−HK$2,187/mo
Today · 4.125%
HK$84,726
baseline
▲ 0.50% · 4.625%
HK$89,192
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,452/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,900
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,790
−HK$2,935/mo
Today · 4.125%
HK$98,725
baseline
▲ 0.50% · 4.625%
HK$104,733
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,450/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,350
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,122
−HK$2,812/mo
Today · 4.125%
HK$108,934
baseline
▲ 0.50% · 4.625%
HK$114,676
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,868/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,940 · Scale 2, in force from 26 Feb 2026)