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$51,607
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,213
−HK$1,631/mo
Today · 4.125%
HK$54,844
baseline
▲ 0.50% · 4.625%
HK$58,181
+HK$3,337/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,688/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,952
−HK$1,562/mo
Today · 4.125%
HK$60,514
baseline
▲ 0.50% · 4.625%
HK$63,704
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,028/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,929
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,855
−HK$1,957/mo
Today · 4.125%
HK$65,812
baseline
▲ 0.50% · 4.625%
HK$69,817
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,624/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,895
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,743
−HK$1,874/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$76,445
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,250
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,498
−HK$2,283/mo
Today · 4.125%
HK$76,781
baseline
▲ 0.50% · 4.625%
HK$81,453
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,562/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,378
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,533
−HK$2,187/mo
Today · 4.125%
HK$84,720
baseline
▲ 0.50% · 4.625%
HK$89,186
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,440/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,893
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,783
−HK$2,935/mo
Today · 4.125%
HK$98,718
baseline
▲ 0.50% · 4.625%
HK$104,725
+HK$6,007/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,436/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,343
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,114
−HK$2,812/mo
Today · 4.125%
HK$108,926
baseline
▲ 0.50% · 4.625%
HK$114,668
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,852/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,871 · Scale 2, in force from 26 Feb 2026)