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$51,662
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,633/mo
Today · 4.125%
HK$54,902
baseline
▲ 0.50% · 4.625%
HK$58,243
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,804/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,474
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,015
−HK$1,564/mo
Today · 4.125%
HK$60,579
baseline
▲ 0.50% · 4.625%
HK$63,772
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,158/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,995
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,923
−HK$1,959/mo
Today · 4.125%
HK$65,882
baseline
▲ 0.50% · 4.625%
HK$69,891
+HK$4,009/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,764/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,968
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,818
−HK$1,877/mo
Today · 4.125%
HK$72,695
baseline
▲ 0.50% · 4.625%
HK$76,526
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,390/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,327
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,577
−HK$2,286/mo
Today · 4.125%
HK$76,863
baseline
▲ 0.50% · 4.625%
HK$81,540
+HK$4,677/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,726/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,463
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,621
−HK$2,189/mo
Today · 4.125%
HK$84,810
baseline
▲ 0.50% · 4.625%
HK$89,281
+HK$4,471/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,620/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,992
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,885
−HK$2,938/mo
Today · 4.125%
HK$98,823
baseline
▲ 0.50% · 4.625%
HK$104,837
+HK$6,014/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,646/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,453
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,227
−HK$2,815/mo
Today · 4.125%
HK$109,042
baseline
▲ 0.50% · 4.625%
HK$114,790
+HK$5,748/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,084/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,895 · Scale 2, in force from 26 Feb 2026)