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$51,491
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,627/mo
Today · 4.125%
HK$54,720
baseline
▲ 0.50% · 4.625%
HK$58,050
+HK$3,330/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,440/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,283
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,820
−HK$1,558/mo
Today · 4.125%
HK$60,378
baseline
▲ 0.50% · 4.625%
HK$63,561
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,756/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,789
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,711
−HK$1,953/mo
Today · 4.125%
HK$65,664
baseline
▲ 0.50% · 4.625%
HK$69,659
+HK$3,995/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,328/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,583
−HK$1,871/mo
Today · 4.125%
HK$72,454
baseline
▲ 0.50% · 4.625%
HK$76,273
+HK$3,819/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,908/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,087
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$2,278/mo
Today · 4.125%
HK$76,608
baseline
▲ 0.50% · 4.625%
HK$81,269
+HK$4,661/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$153,216/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,197
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,347
−HK$2,182/mo
Today · 4.125%
HK$84,529
baseline
▲ 0.50% · 4.625%
HK$88,985
+HK$4,456/mo
Deposit HK$6.77M · loan HK$15.81M · min. income ≈ HK$169,058/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,684
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,567
−HK$2,929/mo
Today · 4.125%
HK$98,496
baseline
▲ 0.50% · 4.625%
HK$104,489
+HK$5,993/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$196,992/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,110
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,875
−HK$2,806/mo
Today · 4.125%
HK$108,681
baseline
▲ 0.50% · 4.625%
HK$114,409
+HK$5,728/mo
Deposit HK$2.26M · loan HK$20.32M · min. income ≈ HK$217,362/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,704 · Scale 2, in force from 26 Feb 2026)