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$51,424
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,625/mo
Today · 4.125%
HK$54,648
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,296/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,556/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,179/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,708
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,628
−HK$1,950/mo
Today · 4.125%
HK$65,578
baseline
▲ 0.50% · 4.625%
HK$69,568
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,156/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,650
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,491
−HK$1,868/mo
Today · 4.125%
HK$72,359
baseline
▲ 0.50% · 4.625%
HK$76,173
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,718/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,993
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,233
−HK$2,275/mo
Today · 4.125%
HK$76,508
baseline
▲ 0.50% · 4.625%
HK$81,163
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,016/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,092
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,240
−HK$2,179/mo
Today · 4.125%
HK$84,419
baseline
▲ 0.50% · 4.625%
HK$88,869
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,838/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,563
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,442
−HK$2,925/mo
Today · 4.125%
HK$98,367
baseline
▲ 0.50% · 4.625%
HK$104,353
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,734/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,975
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,737
−HK$2,801/mo
Today · 4.125%
HK$108,538
baseline
▲ 0.50% · 4.625%
HK$114,260
+HK$5,722/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,076/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,448 · Scale 2, in force from 26 Feb 2026)