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$51,425
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,626/mo
Today · 4.125%
HK$54,650
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,300/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,210
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,557/mo
Today · 4.125%
HK$60,301
baseline
▲ 0.50% · 4.625%
HK$63,479
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,602/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,710
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,951/mo
Today · 4.125%
HK$65,580
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,160/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,652
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,493
−HK$1,868/mo
Today · 4.125%
HK$72,361
baseline
▲ 0.50% · 4.625%
HK$76,175
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,722/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,995
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,234
−HK$2,276/mo
Today · 4.125%
HK$76,510
baseline
▲ 0.50% · 4.625%
HK$81,165
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,020/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,094
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,242
−HK$2,179/mo
Today · 4.125%
HK$84,421
baseline
▲ 0.50% · 4.625%
HK$88,871
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,842/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,925/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$104,355
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,739
−HK$2,802/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$114,262
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,470 · Scale 2, in force from 26 Feb 2026)