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$51,585
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,190
−HK$1,630/mo
Today · 4.125%
HK$54,820
baseline
▲ 0.50% · 4.625%
HK$58,156
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,640/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,388
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,927
−HK$1,561/mo
Today · 4.125%
HK$60,488
baseline
▲ 0.50% · 4.625%
HK$63,677
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,976/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,828
−HK$1,956/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,866
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$1,874/mo
Today · 4.125%
HK$72,586
baseline
▲ 0.50% · 4.625%
HK$76,412
+HK$3,826/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,172/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,219
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,466
−HK$2,282/mo
Today · 4.125%
HK$76,748
baseline
▲ 0.50% · 4.625%
HK$81,418
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,496/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,343
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,498
−HK$2,186/mo
Today · 4.125%
HK$84,684
baseline
▲ 0.50% · 4.625%
HK$89,148
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,368/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,853
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,741
−HK$2,935/mo
Today · 4.125%
HK$98,676
baseline
▲ 0.50% · 4.625%
HK$104,680
+HK$6,004/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,352/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,298
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,069
−HK$2,810/mo
Today · 4.125%
HK$108,879
baseline
▲ 0.50% · 4.625%
HK$114,618
+HK$5,739/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,758/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,457 · Scale 2, in force from 26 Feb 2026)