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$51,647
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,254
−HK$1,632/mo
Today · 4.125%
HK$54,886
baseline
▲ 0.50% · 4.625%
HK$58,226
+HK$3,340/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,772/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,457
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,563/mo
Today · 4.125%
HK$60,561
baseline
▲ 0.50% · 4.625%
HK$63,753
+HK$3,192/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,122/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,977
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,959/mo
Today · 4.125%
HK$65,863
baseline
▲ 0.50% · 4.625%
HK$69,871
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,726/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,948
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$1,876/mo
Today · 4.125%
HK$72,673
baseline
▲ 0.50% · 4.625%
HK$76,504
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,346/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,306
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,555
−HK$2,285/mo
Today · 4.125%
HK$76,840
baseline
▲ 0.50% · 4.625%
HK$81,516
+HK$4,676/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,680/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,440
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,597
−HK$2,189/mo
Today · 4.125%
HK$84,786
baseline
▲ 0.50% · 4.625%
HK$89,255
+HK$4,469/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,572/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,965
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,857
−HK$2,938/mo
Today · 4.125%
HK$98,795
baseline
▲ 0.50% · 4.625%
HK$104,806
+HK$6,011/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,590/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,422
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,196
−HK$2,814/mo
Today · 4.125%
HK$109,010
baseline
▲ 0.50% · 4.625%
HK$114,756
+HK$5,746/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$218,020/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,612 · Scale 2, in force from 26 Feb 2026)