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$51,724
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,634/mo
Today · 4.125%
HK$54,967
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,934/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,542
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,086
−HK$1,565/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,069
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,999
−HK$1,962/mo
Today · 4.125%
HK$65,961
baseline
▲ 0.50% · 4.625%
HK$69,975
+HK$4,014/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,922/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,051
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,903
−HK$1,878/mo
Today · 4.125%
HK$72,781
baseline
▲ 0.50% · 4.625%
HK$76,618
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,562/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,413
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,666
−HK$2,288/mo
Today · 4.125%
HK$76,954
baseline
▲ 0.50% · 4.625%
HK$81,637
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,908/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,559
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,720
−HK$2,192/mo
Today · 4.125%
HK$84,912
baseline
▲ 0.50% · 4.625%
HK$89,387
+HK$4,475/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,824/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,103
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,999
−HK$2,942/mo
Today · 4.125%
HK$98,941
baseline
▲ 0.50% · 4.625%
HK$104,962
+HK$6,021/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,882/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,576
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,354
−HK$2,818/mo
Today · 4.125%
HK$109,172
baseline
▲ 0.50% · 4.625%
HK$114,927
+HK$5,755/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,344/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,044 · Scale 2, in force from 26 Feb 2026)