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$51,700
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,308
−HK$1,634/mo
Today · 4.125%
HK$54,942
baseline
▲ 0.50% · 4.625%
HK$58,285
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,884/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,515
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,058
−HK$1,565/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$63,818
+HK$3,195/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,040
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,969
−HK$1,961/mo
Today · 4.125%
HK$65,930
baseline
▲ 0.50% · 4.625%
HK$69,942
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,860/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$1,877/mo
Today · 4.125%
HK$72,747
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,494/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,380
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,631
−HK$2,287/mo
Today · 4.125%
HK$76,918
baseline
▲ 0.50% · 4.625%
HK$81,599
+HK$4,681/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,836/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,522
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,681
−HK$2,191/mo
Today · 4.125%
HK$84,872
baseline
▲ 0.50% · 4.625%
HK$89,346
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,744/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,059
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,954
−HK$2,941/mo
Today · 4.125%
HK$98,895
baseline
▲ 0.50% · 4.625%
HK$104,913
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,790/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,528
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,304
−HK$2,817/mo
Today · 4.125%
HK$109,121
baseline
▲ 0.50% · 4.625%
HK$114,873
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,242/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,593 · Scale 2, in force from 26 Feb 2026)