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$51,445
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,045
−HK$1,626/mo
Today · 4.125%
HK$54,671
baseline
▲ 0.50% · 4.625%
HK$57,998
+HK$3,327/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,342/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,232
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,767
−HK$1,557/mo
Today · 4.125%
HK$60,324
baseline
▲ 0.50% · 4.625%
HK$63,504
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,648/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,734
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,654
−HK$1,951/mo
Today · 4.125%
HK$65,605
baseline
▲ 0.50% · 4.625%
HK$69,597
+HK$3,992/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$131,210/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,678
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,520
−HK$1,869/mo
Today · 4.125%
HK$72,389
baseline
▲ 0.50% · 4.625%
HK$76,205
+HK$3,816/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$144,778/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,023
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,263
−HK$2,276/mo
Today · 4.125%
HK$76,539
baseline
▲ 0.50% · 4.625%
HK$81,197
+HK$4,658/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,078/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,125
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,274
−HK$2,180/mo
Today · 4.125%
HK$84,454
baseline
▲ 0.50% · 4.625%
HK$88,905
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,908/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,601
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,481
−HK$2,927/mo
Today · 4.125%
HK$98,408
baseline
▲ 0.50% · 4.625%
HK$104,396
+HK$5,988/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,816/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,018
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,780
−HK$2,803/mo
Today · 4.125%
HK$108,583
baseline
▲ 0.50% · 4.625%
HK$114,307
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,166/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,844 · Scale 2, in force from 26 Feb 2026)