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$51,466
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,067
−HK$1,627/mo
Today · 4.125%
HK$54,694
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$3,328/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,388/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,256
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,791
−HK$1,558/mo
Today · 4.125%
HK$60,349
baseline
▲ 0.50% · 4.625%
HK$63,530
+HK$3,181/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,698/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,760
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,681
−HK$1,952/mo
Today · 4.125%
HK$65,633
baseline
▲ 0.50% · 4.625%
HK$69,626
+HK$3,993/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$131,266/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,707
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,550
−HK$1,869/mo
Today · 4.125%
HK$72,419
baseline
▲ 0.50% · 4.625%
HK$76,236
+HK$3,817/mo
Deposit HK$9.03M · loan HK$13.54M · min. income ≈ HK$144,838/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,053
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,294
−HK$2,277/mo
Today · 4.125%
HK$76,571
baseline
▲ 0.50% · 4.625%
HK$81,231
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,142/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,158
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,308
−HK$2,181/mo
Today · 4.125%
HK$84,489
baseline
▲ 0.50% · 4.625%
HK$88,942
+HK$4,453/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$168,978/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,640
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,521
−HK$2,928/mo
Today · 4.125%
HK$98,449
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,990/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,898/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,061
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,825
−HK$2,804/mo
Today · 4.125%
HK$108,629
baseline
▲ 0.50% · 4.625%
HK$114,355
+HK$5,726/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,258/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,245 · Scale 2, in force from 26 Feb 2026)