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$51,676
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,633/mo
Today · 4.125%
HK$54,917
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,834/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,489
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,031
−HK$1,564/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$63,789
+HK$3,194/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,012
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,960/mo
Today · 4.125%
HK$65,900
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$4,010/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$131,800/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,987
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,837
−HK$1,877/mo
Today · 4.125%
HK$72,714
baseline
▲ 0.50% · 4.625%
HK$76,547
+HK$3,833/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$145,428/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,347
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,597
−HK$2,287/mo
Today · 4.125%
HK$76,884
baseline
▲ 0.50% · 4.625%
HK$81,562
+HK$4,678/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,768/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,485
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,644
−HK$2,189/mo
Today · 4.125%
HK$84,833
baseline
▲ 0.50% · 4.625%
HK$89,305
+HK$4,472/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,666/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,017
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,911
−HK$2,939/mo
Today · 4.125%
HK$98,850
baseline
▲ 0.50% · 4.625%
HK$104,865
+HK$6,015/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,700/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,481
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,256
−HK$2,816/mo
Today · 4.125%
HK$109,072
baseline
▲ 0.50% · 4.625%
HK$114,821
+HK$5,749/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,144/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,156 · Scale 2, in force from 26 Feb 2026)