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$51,602
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,631/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$58,175
+HK$3,337/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,947
−HK$1,562/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,189/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,923
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,957/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,810
+HK$4,004/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$1,874/mo
Today · 4.125%
HK$72,610
baseline
▲ 0.50% · 4.625%
HK$76,438
+HK$3,828/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,220/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,243
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$2,284/mo
Today · 4.125%
HK$76,774
baseline
▲ 0.50% · 4.625%
HK$81,445
+HK$4,671/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,548/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,370
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,525
−HK$2,187/mo
Today · 4.125%
HK$84,712
baseline
▲ 0.50% · 4.625%
HK$89,177
+HK$4,465/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,424/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,884
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,773
−HK$2,936/mo
Today · 4.125%
HK$98,709
baseline
▲ 0.50% · 4.625%
HK$104,715
+HK$6,006/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,418/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,333
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,104
−HK$2,811/mo
Today · 4.125%
HK$108,915
baseline
▲ 0.50% · 4.625%
HK$114,657
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,830/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,778 · Scale 2, in force from 26 Feb 2026)