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$51,411
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,010
−HK$1,625/mo
Today · 4.125%
HK$54,635
baseline
▲ 0.50% · 4.625%
HK$57,959
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,270/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,194
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,728
−HK$1,556/mo
Today · 4.125%
HK$60,284
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,568/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,950/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,551
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$1,868/mo
Today · 4.125%
HK$72,341
baseline
▲ 0.50% · 4.625%
HK$76,154
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,682/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,975
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,214
−HK$2,274/mo
Today · 4.125%
HK$76,488
baseline
▲ 0.50% · 4.625%
HK$81,143
+HK$4,655/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,976/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,071
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,219
−HK$2,178/mo
Today · 4.125%
HK$84,397
baseline
▲ 0.50% · 4.625%
HK$88,846
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,794/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,539
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,418
−HK$2,924/mo
Today · 4.125%
HK$98,342
baseline
▲ 0.50% · 4.625%
HK$104,326
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,684/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,949
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$2,801/mo
Today · 4.125%
HK$108,511
baseline
▲ 0.50% · 4.625%
HK$114,231
+HK$5,720/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,022/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,206 · Scale 2, in force from 26 Feb 2026)