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$51,559
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,163
−HK$1,629/mo
Today · 4.125%
HK$54,792
baseline
▲ 0.50% · 4.625%
HK$58,126
+HK$3,334/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,584/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,359
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,897
−HK$1,561/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$63,645
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,871
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,795
−HK$1,956/mo
Today · 4.125%
HK$65,751
baseline
▲ 0.50% · 4.625%
HK$69,752
+HK$4,001/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$131,502/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$1,873/mo
Today · 4.125%
HK$72,550
baseline
▲ 0.50% · 4.625%
HK$76,374
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$145,100/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,183
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,428
−HK$2,281/mo
Today · 4.125%
HK$76,709
baseline
▲ 0.50% · 4.625%
HK$81,377
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,418/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,456
−HK$2,185/mo
Today · 4.125%
HK$84,641
baseline
▲ 0.50% · 4.625%
HK$89,103
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,282/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,806
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,693
−HK$2,933/mo
Today · 4.125%
HK$98,626
baseline
▲ 0.50% · 4.625%
HK$104,627
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,252/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,246
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,015
−HK$2,809/mo
Today · 4.125%
HK$108,824
baseline
▲ 0.50% · 4.625%
HK$114,561
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,648/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,973 · Scale 2, in force from 26 Feb 2026)