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$51,446
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$53,046
−HK$1,626/mo
Today · 4.125%
HK$54,672
baseline
▲ 0.50% · 4.625%
HK$57,998
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,344/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,233
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,768
−HK$1,557/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,505
+HK$3,180/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,735
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,655
−HK$1,951/mo
Today · 4.125%
HK$65,606
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,992/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$131,212/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,521
−HK$1,869/mo
Today · 4.125%
HK$72,390
baseline
▲ 0.50% · 4.625%
HK$76,206
+HK$3,816/mo
Deposit HK$9.02M · loan HK$13.54M · min. income ≈ HK$144,780/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,024
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,264
−HK$2,277/mo
Today · 4.125%
HK$76,541
baseline
▲ 0.50% · 4.625%
HK$81,198
+HK$4,657/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,082/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,126
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,275
−HK$2,180/mo
Today · 4.125%
HK$84,455
baseline
▲ 0.50% · 4.625%
HK$88,907
+HK$4,452/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,910/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,602
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,483
−HK$2,926/mo
Today · 4.125%
HK$98,409
baseline
▲ 0.50% · 4.625%
HK$104,397
+HK$5,988/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$196,818/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,019
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,782
−HK$2,803/mo
Today · 4.125%
HK$108,585
baseline
▲ 0.50% · 4.625%
HK$114,309
+HK$5,724/mo
Deposit HK$2.26M · loan HK$20.31M · min. income ≈ HK$217,170/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,859 · Scale 2, in force from 26 Feb 2026)