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$51,424
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,625/mo
Today · 4.125%
HK$54,649
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,298/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,209
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,556/mo
Today · 4.125%
HK$60,300
baseline
▲ 0.50% · 4.625%
HK$63,479
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,600/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,709
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,950/mo
Today · 4.125%
HK$65,579
baseline
▲ 0.50% · 4.625%
HK$69,569
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,158/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,651
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,492
−HK$1,868/mo
Today · 4.125%
HK$72,360
baseline
▲ 0.50% · 4.625%
HK$76,174
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,720/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,234
−HK$2,275/mo
Today · 4.125%
HK$76,509
baseline
▲ 0.50% · 4.625%
HK$81,164
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,018/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,093
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,241
−HK$2,179/mo
Today · 4.125%
HK$84,420
baseline
▲ 0.50% · 4.625%
HK$88,870
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,840/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,564
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,443
−HK$2,926/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$104,354
+HK$5,985/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,977
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,738
−HK$2,802/mo
Today · 4.125%
HK$108,540
baseline
▲ 0.50% · 4.625%
HK$114,261
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,080/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,463 · Scale 2, in force from 26 Feb 2026)