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$51,441
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,041
−HK$1,626/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,994
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,228
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,763
−HK$1,557/mo
Today · 4.125%
HK$60,320
baseline
▲ 0.50% · 4.625%
HK$63,499
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,640/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,730
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,650
−HK$1,951/mo
Today · 4.125%
HK$65,601
baseline
▲ 0.50% · 4.625%
HK$69,592
+HK$3,991/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$131,202/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,674
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,515
−HK$1,869/mo
Today · 4.125%
HK$72,384
baseline
▲ 0.50% · 4.625%
HK$76,199
+HK$3,815/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$144,768/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,018
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,258
−HK$2,276/mo
Today · 4.125%
HK$76,534
baseline
▲ 0.50% · 4.625%
HK$81,191
+HK$4,657/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,068/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,119
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,268
−HK$2,180/mo
Today · 4.125%
HK$84,448
baseline
▲ 0.50% · 4.625%
HK$88,899
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,896/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,594
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,475
−HK$2,926/mo
Today · 4.125%
HK$98,401
baseline
▲ 0.50% · 4.625%
HK$104,388
+HK$5,987/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,802/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,010
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,773
−HK$2,803/mo
Today · 4.125%
HK$108,576
baseline
▲ 0.50% · 4.625%
HK$114,299
+HK$5,723/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,152/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,778 · Scale 2, in force from 26 Feb 2026)