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$51,418
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,018
−HK$1,625/mo
Today · 4.125%
HK$54,643
baseline
▲ 0.50% · 4.625%
HK$57,968
+HK$3,325/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,286/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,202
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,736
−HK$1,557/mo
Today · 4.125%
HK$60,293
baseline
▲ 0.50% · 4.625%
HK$63,471
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,586/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,702
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,621
−HK$1,950/mo
Today · 4.125%
HK$65,571
baseline
▲ 0.50% · 4.625%
HK$69,561
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,142/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,643
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$1,867/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,165
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,225
−HK$2,275/mo
Today · 4.125%
HK$76,500
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,655/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$153,000/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,083
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,231
−HK$2,179/mo
Today · 4.125%
HK$84,410
baseline
▲ 0.50% · 4.625%
HK$88,859
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,820/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,553
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,432
−HK$2,925/mo
Today · 4.125%
HK$98,357
baseline
▲ 0.50% · 4.625%
HK$104,342
+HK$5,985/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,714/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,964
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,726
−HK$2,801/mo
Today · 4.125%
HK$108,527
baseline
▲ 0.50% · 4.625%
HK$114,248
+HK$5,721/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,054/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,347 · Scale 2, in force from 26 Feb 2026)