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$51,479
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,080
−HK$1,627/mo
Today · 4.125%
HK$54,707
baseline
▲ 0.50% · 4.625%
HK$58,036
+HK$3,329/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,414/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,270
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$58,806
−HK$1,558/mo
Today · 4.125%
HK$60,364
baseline
▲ 0.50% · 4.625%
HK$63,546
+HK$3,182/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,728/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,775
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,696
−HK$1,953/mo
Today · 4.125%
HK$65,649
baseline
▲ 0.50% · 4.625%
HK$69,643
+HK$3,994/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,298/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,724
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,567
−HK$1,870/mo
Today · 4.125%
HK$72,437
baseline
▲ 0.50% · 4.625%
HK$76,255
+HK$3,818/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,874/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,071
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,312
−HK$2,278/mo
Today · 4.125%
HK$76,590
baseline
▲ 0.50% · 4.625%
HK$81,250
+HK$4,660/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$153,180/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,178
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,328
−HK$2,182/mo
Today · 4.125%
HK$84,510
baseline
▲ 0.50% · 4.625%
HK$88,964
+HK$4,454/mo
Deposit HK$6.77M · loan HK$15.80M · min. income ≈ HK$169,020/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,662
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,545
−HK$2,928/mo
Today · 4.125%
HK$98,473
baseline
▲ 0.50% · 4.625%
HK$104,465
+HK$5,992/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,946/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,086
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,851
−HK$2,804/mo
Today · 4.125%
HK$108,655
baseline
▲ 0.50% · 4.625%
HK$114,383
+HK$5,728/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,310/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,480 · Scale 2, in force from 26 Feb 2026)