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$51,645
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,251
−HK$1,632/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$3,340/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,454
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,995
−HK$1,563/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$63,751
+HK$3,193/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,974
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,902
−HK$1,958/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,868
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,945
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$1,876/mo
Today · 4.125%
HK$72,670
baseline
▲ 0.50% · 4.625%
HK$76,501
+HK$3,831/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,340/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,303
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,552
−HK$2,285/mo
Today · 4.125%
HK$76,837
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,675/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,674/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,436
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,593
−HK$2,189/mo
Today · 4.125%
HK$84,782
baseline
▲ 0.50% · 4.625%
HK$89,251
+HK$4,469/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,564/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,961
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,852
−HK$2,938/mo
Today · 4.125%
HK$98,790
baseline
▲ 0.50% · 4.625%
HK$104,801
+HK$6,011/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,580/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,418
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,191
−HK$2,814/mo
Today · 4.125%
HK$109,005
baseline
▲ 0.50% · 4.625%
HK$114,751
+HK$5,746/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$218,010/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,570 · Scale 2, in force from 26 Feb 2026)