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$51,740
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,635/mo
Today · 4.125%
HK$54,984
baseline
▲ 0.50% · 4.625%
HK$58,330
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,968/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,560
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,566/mo
Today · 4.125%
HK$60,670
baseline
▲ 0.50% · 4.625%
HK$63,868
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,340/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,088
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,019
−HK$1,962/mo
Today · 4.125%
HK$65,981
baseline
▲ 0.50% · 4.625%
HK$69,996
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$131,962/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,072
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,925
−HK$1,879/mo
Today · 4.125%
HK$72,804
baseline
▲ 0.50% · 4.625%
HK$76,641
+HK$3,837/mo
Deposit HK$9.08M · loan HK$13.61M · min. income ≈ HK$145,608/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,436
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,689
−HK$2,289/mo
Today · 4.125%
HK$76,978
baseline
▲ 0.50% · 4.625%
HK$81,662
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,956/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,584
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,745
−HK$2,193/mo
Today · 4.125%
HK$84,938
baseline
▲ 0.50% · 4.625%
HK$89,415
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,876/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,132
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,029
−HK$2,943/mo
Today · 4.125%
HK$98,972
baseline
▲ 0.50% · 4.625%
HK$104,994
+HK$6,022/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,944/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,608
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,387
−HK$2,819/mo
Today · 4.125%
HK$109,206
baseline
▲ 0.50% · 4.625%
HK$114,962
+HK$5,756/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,412/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,342 · Scale 2, in force from 26 Feb 2026)