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$51,630
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,236
−HK$1,632/mo
Today · 4.125%
HK$54,868
baseline
▲ 0.50% · 4.625%
HK$58,206
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,736/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,438
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,979
−HK$1,562/mo
Today · 4.125%
HK$60,541
baseline
▲ 0.50% · 4.625%
HK$63,732
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,082/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,883
−HK$1,958/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,848
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,926
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,774
−HK$1,876/mo
Today · 4.125%
HK$72,650
baseline
▲ 0.50% · 4.625%
HK$76,479
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,300/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,282
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,531
−HK$2,284/mo
Today · 4.125%
HK$76,815
baseline
▲ 0.50% · 4.625%
HK$81,489
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,630/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,413
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,570
−HK$2,188/mo
Today · 4.125%
HK$84,758
baseline
▲ 0.50% · 4.625%
HK$89,225
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,516/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,934
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,825
−HK$2,937/mo
Today · 4.125%
HK$98,762
baseline
▲ 0.50% · 4.625%
HK$104,772
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,524/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,389
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,161
−HK$2,813/mo
Today · 4.125%
HK$108,974
baseline
▲ 0.50% · 4.625%
HK$114,718
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,948/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,297 · Scale 2, in force from 26 Feb 2026)