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$51,636
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,242
−HK$1,632/mo
Today · 4.125%
HK$54,874
baseline
▲ 0.50% · 4.625%
HK$58,213
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,748/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,444
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,563/mo
Today · 4.125%
HK$60,548
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,096/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,963
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,958/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,933
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,782
−HK$1,875/mo
Today · 4.125%
HK$72,657
baseline
▲ 0.50% · 4.625%
HK$76,487
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,314/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,290
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,539
−HK$2,284/mo
Today · 4.125%
HK$76,823
baseline
▲ 0.50% · 4.625%
HK$81,498
+HK$4,675/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,646/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,422
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,188/mo
Today · 4.125%
HK$84,767
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,534/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,944
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,835
−HK$2,938/mo
Today · 4.125%
HK$98,773
baseline
▲ 0.50% · 4.625%
HK$104,783
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,546/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,400
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,173
−HK$2,813/mo
Today · 4.125%
HK$108,986
baseline
▲ 0.50% · 4.625%
HK$114,731
+HK$5,745/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,972/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,400 · Scale 2, in force from 26 Feb 2026)