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$51,623
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,229
−HK$1,631/mo
Today · 4.125%
HK$54,860
baseline
▲ 0.50% · 4.625%
HK$58,198
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,720/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,430
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,970
−HK$1,563/mo
Today · 4.125%
HK$60,533
baseline
▲ 0.50% · 4.625%
HK$63,723
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,066/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,947
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,874
−HK$1,958/mo
Today · 4.125%
HK$65,832
baseline
▲ 0.50% · 4.625%
HK$69,838
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,664/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,916
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,764
−HK$1,875/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$76,468
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,272
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,520
−HK$2,284/mo
Today · 4.125%
HK$76,804
baseline
▲ 0.50% · 4.625%
HK$81,477
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,608/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,402
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,558
−HK$2,188/mo
Today · 4.125%
HK$84,746
baseline
▲ 0.50% · 4.625%
HK$89,213
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,492/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,921
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,811
−HK$2,937/mo
Today · 4.125%
HK$98,748
baseline
▲ 0.50% · 4.625%
HK$104,757
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,496/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,374
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,146
−HK$2,813/mo
Today · 4.125%
HK$108,959
baseline
▲ 0.50% · 4.625%
HK$114,702
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,918/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,159 · Scale 2, in force from 26 Feb 2026)