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$51,440
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,040
−HK$1,625/mo
Today · 4.125%
HK$54,665
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,330/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,226
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,761
−HK$1,557/mo
Today · 4.125%
HK$60,318
baseline
▲ 0.50% · 4.625%
HK$63,497
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,636/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,728
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,950/mo
Today · 4.125%
HK$65,598
baseline
▲ 0.50% · 4.625%
HK$69,590
+HK$3,992/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$131,196/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,671
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,513
−HK$1,868/mo
Today · 4.125%
HK$72,381
baseline
▲ 0.50% · 4.625%
HK$76,197
+HK$3,816/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$144,762/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,016
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,256
−HK$2,276/mo
Today · 4.125%
HK$76,532
baseline
▲ 0.50% · 4.625%
HK$81,188
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,064/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,117
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,265
−HK$2,180/mo
Today · 4.125%
HK$84,445
baseline
▲ 0.50% · 4.625%
HK$88,896
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,890/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,591
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,472
−HK$2,926/mo
Today · 4.125%
HK$98,398
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,987/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,796/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,007
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,770
−HK$2,802/mo
Today · 4.125%
HK$108,572
baseline
▲ 0.50% · 4.625%
HK$114,295
+HK$5,723/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,144/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,746 · Scale 2, in force from 26 Feb 2026)