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$51,632
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,632/mo
Today · 4.125%
HK$54,870
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,740/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,440
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,563/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$63,735
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,959
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,886
−HK$1,958/mo
Today · 4.125%
HK$65,844
baseline
▲ 0.50% · 4.625%
HK$69,850
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,688/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,928
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,777
−HK$1,875/mo
Today · 4.125%
HK$72,652
baseline
▲ 0.50% · 4.625%
HK$76,482
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,304/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,285
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,533
−HK$2,285/mo
Today · 4.125%
HK$76,818
baseline
▲ 0.50% · 4.625%
HK$81,492
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,636/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,416
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,573
−HK$2,188/mo
Today · 4.125%
HK$84,761
baseline
▲ 0.50% · 4.625%
HK$89,229
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,522/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,938
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,829
−HK$2,937/mo
Today · 4.125%
HK$98,766
baseline
▲ 0.50% · 4.625%
HK$104,776
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,532/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,392
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,165
−HK$2,813/mo
Today · 4.125%
HK$108,978
baseline
▲ 0.50% · 4.625%
HK$114,723
+HK$5,745/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,956/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,333 · Scale 2, in force from 26 Feb 2026)