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$51,609
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,215
−HK$1,631/mo
Today · 4.125%
HK$54,846
baseline
▲ 0.50% · 4.625%
HK$58,183
+HK$3,337/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,692/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,415
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,955
−HK$1,562/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$63,707
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,931
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,858
−HK$1,957/mo
Today · 4.125%
HK$65,815
baseline
▲ 0.50% · 4.625%
HK$69,820
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,630/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,898
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,746
−HK$1,874/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$76,448
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,253
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,501
−HK$2,283/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$81,456
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,381
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,537
−HK$2,187/mo
Today · 4.125%
HK$84,724
baseline
▲ 0.50% · 4.625%
HK$89,190
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,448/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,897
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,787
−HK$2,935/mo
Today · 4.125%
HK$98,722
baseline
▲ 0.50% · 4.625%
HK$104,729
+HK$6,007/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,444/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,347
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,119
−HK$2,811/mo
Today · 4.125%
HK$108,930
baseline
▲ 0.50% · 4.625%
HK$114,672
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,860/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$961,910 · Scale 2, in force from 26 Feb 2026)