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$51,415
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,625/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,198
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,732
−HK$1,557/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,466
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,698
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,617
−HK$1,950/mo
Today · 4.125%
HK$65,567
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,134/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$1,867/mo
Today · 4.125%
HK$72,346
baseline
▲ 0.50% · 4.625%
HK$76,160
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,692/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,981
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,220
−HK$2,274/mo
Today · 4.125%
HK$76,494
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,655/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,988/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,078
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,225
−HK$2,179/mo
Today · 4.125%
HK$84,404
baseline
▲ 0.50% · 4.625%
HK$88,853
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,808/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,546
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,425
−HK$2,925/mo
Today · 4.125%
HK$98,350
baseline
▲ 0.50% · 4.625%
HK$104,334
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,700/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,957
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,718
−HK$2,801/mo
Today · 4.125%
HK$108,519
baseline
▲ 0.50% · 4.625%
HK$114,240
+HK$5,721/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,038/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,280 · Scale 2, in force from 26 Feb 2026)