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$51,717
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,326
−HK$1,634/mo
Today · 4.125%
HK$54,960
baseline
▲ 0.50% · 4.625%
HK$58,304
+HK$3,344/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,920/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,535
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,078
−HK$1,565/mo
Today · 4.125%
HK$60,643
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,286/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,060
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,991
−HK$1,961/mo
Today · 4.125%
HK$65,952
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$4,013/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,904/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,042
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,893
−HK$1,879/mo
Today · 4.125%
HK$72,772
baseline
▲ 0.50% · 4.625%
HK$76,608
+HK$3,836/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,544/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,404
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,656
−HK$2,288/mo
Today · 4.125%
HK$76,944
baseline
▲ 0.50% · 4.625%
HK$81,626
+HK$4,682/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$153,888/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,549
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,191/mo
Today · 4.125%
HK$84,900
baseline
▲ 0.50% · 4.625%
HK$89,376
+HK$4,476/mo
Deposit HK$6.80M · loan HK$15.88M · min. income ≈ HK$169,800/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,091
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,986
−HK$2,942/mo
Today · 4.125%
HK$98,928
baseline
▲ 0.50% · 4.625%
HK$104,948
+HK$6,020/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$197,856/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,563
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,340
−HK$2,818/mo
Today · 4.125%
HK$109,158
baseline
▲ 0.50% · 4.625%
HK$114,912
+HK$5,754/mo
Deposit HK$2.27M · loan HK$20.41M · min. income ≈ HK$218,316/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,917 · Scale 2, in force from 26 Feb 2026)