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$51,629
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,632/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$58,205
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,437
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,563/mo
Today · 4.125%
HK$60,540
baseline
▲ 0.50% · 4.625%
HK$63,731
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,080/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,955
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,882
−HK$1,958/mo
Today · 4.125%
HK$65,840
baseline
▲ 0.50% · 4.625%
HK$69,846
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,680/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,924
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,773
−HK$1,875/mo
Today · 4.125%
HK$72,648
baseline
▲ 0.50% · 4.625%
HK$76,477
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,296/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,281
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,529
−HK$2,284/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$81,487
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,411
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,568
−HK$2,188/mo
Today · 4.125%
HK$84,756
baseline
▲ 0.50% · 4.625%
HK$89,223
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,512/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,932
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,823
−HK$2,937/mo
Today · 4.125%
HK$98,760
baseline
▲ 0.50% · 4.625%
HK$104,769
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,520/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,386
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,159
−HK$2,813/mo
Today · 4.125%
HK$108,972
baseline
▲ 0.50% · 4.625%
HK$114,716
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,944/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,274 · Scale 2, in force from 26 Feb 2026)