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$51,403
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,624/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,185
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,556/mo
Today · 4.125%
HK$60,275
baseline
▲ 0.50% · 4.625%
HK$63,452
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,550/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,684
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,950/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,988/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,622
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$1,867/mo
Today · 4.125%
HK$72,330
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,660/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,964
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,203
−HK$2,274/mo
Today · 4.125%
HK$76,477
baseline
▲ 0.50% · 4.625%
HK$81,130
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,954/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,060
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,207
−HK$2,178/mo
Today · 4.125%
HK$84,385
baseline
▲ 0.50% · 4.625%
HK$88,833
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,770/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,525
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,404
−HK$2,924/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$104,311
+HK$5,983/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,934
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,694
−HK$2,801/mo
Today · 4.125%
HK$108,495
baseline
▲ 0.50% · 4.625%
HK$114,214
+HK$5,719/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,990/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,063 · Scale 2, in force from 26 Feb 2026)