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$51,429
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,626/mo
Today · 4.125%
HK$54,655
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,310/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,215
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,557/mo
Today · 4.125%
HK$60,306
baseline
▲ 0.50% · 4.625%
HK$63,485
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,612/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,715
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,635
−HK$1,950/mo
Today · 4.125%
HK$65,585
baseline
▲ 0.50% · 4.625%
HK$69,576
+HK$3,991/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,170/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,499
−HK$1,868/mo
Today · 4.125%
HK$72,367
baseline
▲ 0.50% · 4.625%
HK$76,182
+HK$3,815/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,734/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,001
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,241
−HK$2,275/mo
Today · 4.125%
HK$76,516
baseline
▲ 0.50% · 4.625%
HK$81,172
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,032/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,101
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,249
−HK$2,179/mo
Today · 4.125%
HK$84,428
baseline
▲ 0.50% · 4.625%
HK$88,879
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,856/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,573
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,453
−HK$2,925/mo
Today · 4.125%
HK$98,378
baseline
▲ 0.50% · 4.625%
HK$104,364
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,756/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,987
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,749
−HK$2,802/mo
Today · 4.125%
HK$108,551
baseline
▲ 0.50% · 4.625%
HK$114,272
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,102/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,556 · Scale 2, in force from 26 Feb 2026)