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$51,648
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,255
−HK$1,632/mo
Today · 4.125%
HK$54,887
baseline
▲ 0.50% · 4.625%
HK$58,227
+HK$3,340/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,774/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,458
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,564/mo
Today · 4.125%
HK$60,563
baseline
▲ 0.50% · 4.625%
HK$63,755
+HK$3,192/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,126/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,959/mo
Today · 4.125%
HK$65,865
baseline
▲ 0.50% · 4.625%
HK$69,872
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,730/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,950
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,799
−HK$1,876/mo
Today · 4.125%
HK$72,675
baseline
▲ 0.50% · 4.625%
HK$76,506
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,350/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$2,285/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$81,518
+HK$4,676/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,442
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,599
−HK$2,189/mo
Today · 4.125%
HK$84,788
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$4,469/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,576/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,967
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,859
−HK$2,938/mo
Today · 4.125%
HK$98,797
baseline
▲ 0.50% · 4.625%
HK$104,808
+HK$6,011/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,594/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,425
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,199
−HK$2,814/mo
Today · 4.125%
HK$109,013
baseline
▲ 0.50% · 4.625%
HK$114,759
+HK$5,746/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,026/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,636 · Scale 2, in force from 26 Feb 2026)