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$51,644
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,250
−HK$1,632/mo
Today · 4.125%
HK$54,882
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$3,340/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,764/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,453
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,563/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,192/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,959/mo
Today · 4.125%
HK$65,859
baseline
▲ 0.50% · 4.625%
HK$69,866
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,718/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,944
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,793
−HK$1,876/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$76,499
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,302
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,551
−HK$2,284/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$81,511
+HK$4,676/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,435
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,592
−HK$2,188/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,249
+HK$4,469/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,959
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,851
−HK$2,937/mo
Today · 4.125%
HK$98,788
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$6,012/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,576/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,416
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,190
−HK$2,813/mo
Today · 4.125%
HK$109,003
baseline
▲ 0.50% · 4.625%
HK$114,749
+HK$5,746/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$218,006/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,554 · Scale 2, in force from 26 Feb 2026)