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$51,728
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,338
−HK$1,634/mo
Today · 4.125%
HK$54,972
baseline
▲ 0.50% · 4.625%
HK$58,317
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,944/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,547
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,091
−HK$1,566/mo
Today · 4.125%
HK$60,657
baseline
▲ 0.50% · 4.625%
HK$63,854
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,314/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,074
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,005
−HK$1,962/mo
Today · 4.125%
HK$65,967
baseline
▲ 0.50% · 4.625%
HK$69,981
+HK$4,014/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,934/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,057
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,909
−HK$1,879/mo
Today · 4.125%
HK$72,788
baseline
▲ 0.50% · 4.625%
HK$76,625
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,576/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,420
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,673
−HK$2,288/mo
Today · 4.125%
HK$76,961
baseline
▲ 0.50% · 4.625%
HK$81,644
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,922/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,566
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,727
−HK$2,192/mo
Today · 4.125%
HK$84,919
baseline
▲ 0.50% · 4.625%
HK$89,395
+HK$4,476/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,838/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,111
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,008
−HK$2,942/mo
Today · 4.125%
HK$98,950
baseline
▲ 0.50% · 4.625%
HK$104,971
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,900/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,585
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,363
−HK$2,819/mo
Today · 4.125%
HK$109,182
baseline
▲ 0.50% · 4.625%
HK$114,937
+HK$5,755/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,364/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,129 · Scale 2, in force from 26 Feb 2026)