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$51,436
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,035
−HK$1,626/mo
Today · 4.125%
HK$54,661
baseline
▲ 0.50% · 4.625%
HK$57,987
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,322/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,222
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,756
−HK$1,557/mo
Today · 4.125%
HK$60,313
baseline
▲ 0.50% · 4.625%
HK$63,492
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,626/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,723
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,643
−HK$1,950/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,584
+HK$3,991/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,666
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,507
−HK$1,869/mo
Today · 4.125%
HK$72,376
baseline
▲ 0.50% · 4.625%
HK$76,191
+HK$3,815/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,752/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,250
−HK$2,275/mo
Today · 4.125%
HK$76,525
baseline
▲ 0.50% · 4.625%
HK$81,182
+HK$4,657/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,050/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,110
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,259
−HK$2,179/mo
Today · 4.125%
HK$84,438
baseline
▲ 0.50% · 4.625%
HK$88,889
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,876/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,584
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,464
−HK$2,926/mo
Today · 4.125%
HK$98,390
baseline
▲ 0.50% · 4.625%
HK$104,377
+HK$5,987/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,780/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,999
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,761
−HK$2,802/mo
Today · 4.125%
HK$108,563
baseline
▲ 0.50% · 4.625%
HK$114,286
+HK$5,723/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,126/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,669 · Scale 2, in force from 26 Feb 2026)