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$51,422
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,021
−HK$1,625/mo
Today · 4.125%
HK$54,646
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,292/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,206
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,740
−HK$1,557/mo
Today · 4.125%
HK$60,297
baseline
▲ 0.50% · 4.625%
HK$63,475
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,594/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,706
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,625
−HK$1,950/mo
Today · 4.125%
HK$65,575
baseline
▲ 0.50% · 4.625%
HK$69,565
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,150/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,488
−HK$1,868/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,170
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,990
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,229
−HK$2,276/mo
Today · 4.125%
HK$76,505
baseline
▲ 0.50% · 4.625%
HK$81,160
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,010/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,088
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,236
−HK$2,179/mo
Today · 4.125%
HK$84,415
baseline
▲ 0.50% · 4.625%
HK$88,865
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,830/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,559
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,438
−HK$2,925/mo
Today · 4.125%
HK$98,363
baseline
▲ 0.50% · 4.625%
HK$104,348
+HK$5,985/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,726/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,971
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,732
−HK$2,802/mo
Today · 4.125%
HK$108,534
baseline
▲ 0.50% · 4.625%
HK$114,255
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,068/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,408 · Scale 2, in force from 26 Feb 2026)