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$51,561
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,164
−HK$1,630/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$58,128
+HK$3,334/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,361
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,899
−HK$1,561/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$63,647
+HK$3,187/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,873
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,956/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,754
+HK$4,001/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,833
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$1,873/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,185
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,430
−HK$2,281/mo
Today · 4.125%
HK$76,711
baseline
▲ 0.50% · 4.625%
HK$81,379
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,422/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,305
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,459
−HK$2,185/mo
Today · 4.125%
HK$84,644
baseline
▲ 0.50% · 4.625%
HK$89,105
+HK$4,461/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,288/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,809
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,933/mo
Today · 4.125%
HK$98,629
baseline
▲ 0.50% · 4.625%
HK$104,630
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,258/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,249
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,018
−HK$2,809/mo
Today · 4.125%
HK$108,827
baseline
▲ 0.50% · 4.625%
HK$114,564
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,654/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,000 · Scale 2, in force from 26 Feb 2026)