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$51,713
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,322
−HK$1,634/mo
Today · 4.125%
HK$54,956
baseline
▲ 0.50% · 4.625%
HK$58,300
+HK$3,344/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,912/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,530
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,073
−HK$1,565/mo
Today · 4.125%
HK$60,638
baseline
▲ 0.50% · 4.625%
HK$63,835
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,276/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,056
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,986
−HK$1,961/mo
Today · 4.125%
HK$65,947
baseline
▲ 0.50% · 4.625%
HK$69,960
+HK$4,013/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,894/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,036
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,888
−HK$1,878/mo
Today · 4.125%
HK$72,766
baseline
▲ 0.50% · 4.625%
HK$76,602
+HK$3,836/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,532/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,398
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,650
−HK$2,288/mo
Today · 4.125%
HK$76,938
baseline
▲ 0.50% · 4.625%
HK$81,620
+HK$4,682/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$153,876/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,192/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$4,475/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,083
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,979
−HK$2,942/mo
Today · 4.125%
HK$98,921
baseline
▲ 0.50% · 4.625%
HK$104,940
+HK$6,019/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,842/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,554
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,332
−HK$2,817/mo
Today · 4.125%
HK$109,149
baseline
▲ 0.50% · 4.625%
HK$114,903
+HK$5,754/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,298/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,842 · Scale 2, in force from 26 Feb 2026)