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$51,427
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,027
−HK$1,625/mo
Today · 4.125%
HK$54,652
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,304/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,747
−HK$1,556/mo
Today · 4.125%
HK$60,303
baseline
▲ 0.50% · 4.625%
HK$63,482
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,606/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,632
−HK$1,951/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,573
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,496
−HK$1,868/mo
Today · 4.125%
HK$72,364
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,728/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,998
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,238
−HK$2,275/mo
Today · 4.125%
HK$76,513
baseline
▲ 0.50% · 4.625%
HK$81,169
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,026/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,097
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,245
−HK$2,180/mo
Today · 4.125%
HK$84,425
baseline
▲ 0.50% · 4.625%
HK$88,875
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,850/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,569
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,449
−HK$2,925/mo
Today · 4.125%
HK$98,374
baseline
▲ 0.50% · 4.625%
HK$104,360
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,748/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,982
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,744
−HK$2,802/mo
Today · 4.125%
HK$108,546
baseline
▲ 0.50% · 4.625%
HK$114,268
+HK$5,722/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,092/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,515 · Scale 2, in force from 26 Feb 2026)