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$51,434
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,034
−HK$1,625/mo
Today · 4.125%
HK$54,659
baseline
▲ 0.50% · 4.625%
HK$57,985
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,318/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,219
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,754
−HK$1,557/mo
Today · 4.125%
HK$60,311
baseline
▲ 0.50% · 4.625%
HK$63,490
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,622/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,640
−HK$1,951/mo
Today · 4.125%
HK$65,591
baseline
▲ 0.50% · 4.625%
HK$69,582
+HK$3,991/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,182/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,663
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,505
−HK$1,868/mo
Today · 4.125%
HK$72,373
baseline
▲ 0.50% · 4.625%
HK$76,188
+HK$3,815/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,746/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,007
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,247
−HK$2,276/mo
Today · 4.125%
HK$76,523
baseline
▲ 0.50% · 4.625%
HK$81,179
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,046/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,107
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,256
−HK$2,179/mo
Today · 4.125%
HK$84,435
baseline
▲ 0.50% · 4.625%
HK$88,886
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,870/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,581
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,460
−HK$2,926/mo
Today · 4.125%
HK$98,386
baseline
▲ 0.50% · 4.625%
HK$104,373
+HK$5,987/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,772/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,995
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,757
−HK$2,802/mo
Today · 4.125%
HK$108,559
baseline
▲ 0.50% · 4.625%
HK$114,282
+HK$5,723/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,118/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,634 · Scale 2, in force from 26 Feb 2026)