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$51,615
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,221
−HK$1,631/mo
Today · 4.125%
HK$54,852
baseline
▲ 0.50% · 4.625%
HK$58,190
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,704/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,421
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,961
−HK$1,563/mo
Today · 4.125%
HK$60,524
baseline
▲ 0.50% · 4.625%
HK$63,714
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,048/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,938
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,865
−HK$1,957/mo
Today · 4.125%
HK$65,822
baseline
▲ 0.50% · 4.625%
HK$69,828
+HK$4,006/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,644/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,754
−HK$1,875/mo
Today · 4.125%
HK$72,629
baseline
▲ 0.50% · 4.625%
HK$76,457
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,258/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,261
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,509
−HK$2,284/mo
Today · 4.125%
HK$76,793
baseline
▲ 0.50% · 4.625%
HK$81,465
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,586/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,390
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,546
−HK$2,187/mo
Today · 4.125%
HK$84,733
baseline
▲ 0.50% · 4.625%
HK$89,200
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,466/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,907
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,797
−HK$2,937/mo
Today · 4.125%
HK$98,734
baseline
▲ 0.50% · 4.625%
HK$104,741
+HK$6,007/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,468/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,359
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,131
−HK$2,812/mo
Today · 4.125%
HK$108,943
baseline
▲ 0.50% · 4.625%
HK$114,685
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,886/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,019 · Scale 2, in force from 26 Feb 2026)