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$51,619
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,631/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$58,194
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,426
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,966
−HK$1,562/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$63,719
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,943
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,957/mo
Today · 4.125%
HK$65,827
baseline
▲ 0.50% · 4.625%
HK$69,833
+HK$4,006/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,654/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,911
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,759
−HK$1,875/mo
Today · 4.125%
HK$72,634
baseline
▲ 0.50% · 4.625%
HK$76,463
+HK$3,829/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,268/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,515
−HK$2,284/mo
Today · 4.125%
HK$76,799
baseline
▲ 0.50% · 4.625%
HK$81,472
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,598/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,396
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,552
−HK$2,188/mo
Today · 4.125%
HK$84,740
baseline
▲ 0.50% · 4.625%
HK$89,207
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,480/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,915
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,805
−HK$2,936/mo
Today · 4.125%
HK$98,741
baseline
▲ 0.50% · 4.625%
HK$104,749
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,482/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,367
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,139
−HK$2,812/mo
Today · 4.125%
HK$108,951
baseline
▲ 0.50% · 4.625%
HK$114,694
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,902/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,093 · Scale 2, in force from 26 Feb 2026)