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$51,583
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,630/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,561/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,899
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,825
−HK$1,956/mo
Today · 4.125%
HK$65,781
baseline
▲ 0.50% · 4.625%
HK$69,783
+HK$4,002/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,562/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,862
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,709
−HK$1,874/mo
Today · 4.125%
HK$72,583
baseline
▲ 0.50% · 4.625%
HK$76,408
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,166/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,216
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$2,282/mo
Today · 4.125%
HK$76,744
baseline
▲ 0.50% · 4.625%
HK$81,414
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$153,488/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,339
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,494
−HK$2,186/mo
Today · 4.125%
HK$84,680
baseline
▲ 0.50% · 4.625%
HK$89,143
+HK$4,463/mo
Deposit HK$6.79M · loan HK$15.83M · min. income ≈ HK$169,360/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,849
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,737
−HK$2,934/mo
Today · 4.125%
HK$98,671
baseline
▲ 0.50% · 4.625%
HK$104,675
+HK$6,004/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,342/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,293
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,063
−HK$2,811/mo
Today · 4.125%
HK$108,874
baseline
▲ 0.50% · 4.625%
HK$114,613
+HK$5,739/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,748/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,410 · Scale 2, in force from 26 Feb 2026)