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$51,565
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,169
−HK$1,629/mo
Today · 4.125%
HK$54,798
baseline
▲ 0.50% · 4.625%
HK$58,133
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,596/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,365
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,561/mo
Today · 4.125%
HK$60,465
baseline
▲ 0.50% · 4.625%
HK$63,652
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,930/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,955/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$4,001/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$1,873/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,382
+HK$3,824/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,191
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$2,282/mo
Today · 4.125%
HK$76,718
baseline
▲ 0.50% · 4.625%
HK$81,386
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,436/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,312
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,466
−HK$2,185/mo
Today · 4.125%
HK$84,651
baseline
▲ 0.50% · 4.625%
HK$89,113
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,302/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,817
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,933/mo
Today · 4.125%
HK$98,637
baseline
▲ 0.50% · 4.625%
HK$104,639
+HK$6,002/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,274/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,258
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,027
−HK$2,810/mo
Today · 4.125%
HK$108,837
baseline
▲ 0.50% · 4.625%
HK$114,573
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,674/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,081 · Scale 2, in force from 26 Feb 2026)