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$51,421
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,625/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,556/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,705
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,624
−HK$1,950/mo
Today · 4.125%
HK$65,574
baseline
▲ 0.50% · 4.625%
HK$69,564
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,148/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,646
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$1,868/mo
Today · 4.125%
HK$72,355
baseline
▲ 0.50% · 4.625%
HK$76,168
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,710/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,989
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,228
−HK$2,275/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$81,158
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,087
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,235
−HK$2,179/mo
Today · 4.125%
HK$84,414
baseline
▲ 0.50% · 4.625%
HK$88,863
+HK$4,449/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,828/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,436
−HK$2,925/mo
Today · 4.125%
HK$98,361
baseline
▲ 0.50% · 4.625%
HK$104,346
+HK$5,985/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,722/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,969
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,730
−HK$2,802/mo
Today · 4.125%
HK$108,532
baseline
▲ 0.50% · 4.625%
HK$114,253
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,064/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,390 · Scale 2, in force from 26 Feb 2026)