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$51,698
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,306
−HK$1,634/mo
Today · 4.125%
HK$54,940
baseline
▲ 0.50% · 4.625%
HK$58,283
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,880/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,514
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,056
−HK$1,565/mo
Today · 4.125%
HK$60,621
baseline
▲ 0.50% · 4.625%
HK$63,816
+HK$3,195/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,242/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,960/mo
Today · 4.125%
HK$65,928
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$4,012/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,856/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,017
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,868
−HK$1,877/mo
Today · 4.125%
HK$72,745
baseline
▲ 0.50% · 4.625%
HK$76,580
+HK$3,835/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,490/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,378
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,629
−HK$2,287/mo
Today · 4.125%
HK$76,916
baseline
▲ 0.50% · 4.625%
HK$81,596
+HK$4,680/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,832/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,519
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,679
−HK$2,190/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$89,343
+HK$4,474/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,057
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,951
−HK$2,941/mo
Today · 4.125%
HK$98,892
baseline
▲ 0.50% · 4.625%
HK$104,910
+HK$6,018/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,784/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,525
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,301
−HK$2,817/mo
Today · 4.125%
HK$109,118
baseline
▲ 0.50% · 4.625%
HK$114,870
+HK$5,752/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,236/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,566 · Scale 2, in force from 26 Feb 2026)