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$51,493
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,094
−HK$1,628/mo
Today · 4.125%
HK$54,722
baseline
▲ 0.50% · 4.625%
HK$58,051
+HK$3,329/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,444/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,285
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,559/mo
Today · 4.125%
HK$60,380
baseline
▲ 0.50% · 4.625%
HK$63,563
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,760/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,791
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,713
−HK$1,953/mo
Today · 4.125%
HK$65,666
baseline
▲ 0.50% · 4.625%
HK$69,662
+HK$3,996/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,332/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,742
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,586
−HK$1,870/mo
Today · 4.125%
HK$72,456
baseline
▲ 0.50% · 4.625%
HK$76,275
+HK$3,819/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,912/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,090
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,332
−HK$2,278/mo
Today · 4.125%
HK$76,610
baseline
▲ 0.50% · 4.625%
HK$81,272
+HK$4,662/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$153,220/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,199
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,350
−HK$2,182/mo
Today · 4.125%
HK$84,532
baseline
▲ 0.50% · 4.625%
HK$88,988
+HK$4,456/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$169,064/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,687
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,570
−HK$2,929/mo
Today · 4.125%
HK$98,499
baseline
▲ 0.50% · 4.625%
HK$104,492
+HK$5,993/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,998/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,113
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,879
−HK$2,805/mo
Today · 4.125%
HK$108,684
baseline
▲ 0.50% · 4.625%
HK$114,413
+HK$5,729/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,368/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,734 · Scale 2, in force from 26 Feb 2026)