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$51,630
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,236
−HK$1,631/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$58,206
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,437
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,978
−HK$1,563/mo
Today · 4.125%
HK$60,541
baseline
▲ 0.50% · 4.625%
HK$63,732
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,082/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,883
−HK$1,958/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,847
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,925
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,773
−HK$1,876/mo
Today · 4.125%
HK$72,649
baseline
▲ 0.50% · 4.625%
HK$76,478
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,298/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,281
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,530
−HK$2,284/mo
Today · 4.125%
HK$76,814
baseline
▲ 0.50% · 4.625%
HK$81,488
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,628/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,412
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,569
−HK$2,188/mo
Today · 4.125%
HK$84,757
baseline
▲ 0.50% · 4.625%
HK$89,224
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,514/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,824
−HK$2,937/mo
Today · 4.125%
HK$98,761
baseline
▲ 0.50% · 4.625%
HK$104,770
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,522/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,387
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,160
−HK$2,813/mo
Today · 4.125%
HK$108,973
baseline
▲ 0.50% · 4.625%
HK$114,717
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,946/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,286 · Scale 2, in force from 26 Feb 2026)