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$51,617
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,222
−HK$1,631/mo
Today · 4.125%
HK$54,853
baseline
▲ 0.50% · 4.625%
HK$58,191
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,706/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,423
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,963
−HK$1,562/mo
Today · 4.125%
HK$60,525
baseline
▲ 0.50% · 4.625%
HK$63,716
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,050/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,940
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,867
−HK$1,957/mo
Today · 4.125%
HK$65,824
baseline
▲ 0.50% · 4.625%
HK$69,829
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,648/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,907
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,756
−HK$1,874/mo
Today · 4.125%
HK$72,630
baseline
▲ 0.50% · 4.625%
HK$76,459
+HK$3,829/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,260/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,263
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,511
−HK$2,284/mo
Today · 4.125%
HK$76,795
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,590/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,392
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,548
−HK$2,187/mo
Today · 4.125%
HK$84,735
baseline
▲ 0.50% · 4.625%
HK$89,202
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,470/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,910
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,800
−HK$2,936/mo
Today · 4.125%
HK$98,736
baseline
▲ 0.50% · 4.625%
HK$104,744
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,472/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,361
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,133
−HK$2,812/mo
Today · 4.125%
HK$108,945
baseline
▲ 0.50% · 4.625%
HK$114,688
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,890/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,043 · Scale 2, in force from 26 Feb 2026)