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$51,733
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,635/mo
Today · 4.125%
HK$54,977
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$3,345/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,954/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,096
−HK$1,566/mo
Today · 4.125%
HK$60,662
baseline
▲ 0.50% · 4.625%
HK$63,859
+HK$3,197/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,324/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,079
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,962/mo
Today · 4.125%
HK$65,972
baseline
▲ 0.50% · 4.625%
HK$69,987
+HK$4,015/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$131,944/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,063
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,915
−HK$1,879/mo
Today · 4.125%
HK$72,794
baseline
▲ 0.50% · 4.625%
HK$76,631
+HK$3,837/mo
Deposit HK$9.07M · loan HK$13.61M · min. income ≈ HK$145,588/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,679
−HK$2,289/mo
Today · 4.125%
HK$76,968
baseline
▲ 0.50% · 4.625%
HK$81,651
+HK$4,683/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$153,936/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,573
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,734
−HK$2,192/mo
Today · 4.125%
HK$84,926
baseline
▲ 0.50% · 4.625%
HK$89,403
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.88M · min. income ≈ HK$169,852/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,119
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,016
−HK$2,942/mo
Today · 4.125%
HK$98,958
baseline
▲ 0.50% · 4.625%
HK$104,980
+HK$6,022/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,916/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,594
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,372
−HK$2,819/mo
Today · 4.125%
HK$109,191
baseline
▲ 0.50% · 4.625%
HK$114,946
+HK$5,755/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,382/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,209 · Scale 2, in force from 26 Feb 2026)