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$51,586
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,630/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,389
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,561/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,904
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,829
−HK$1,957/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,867
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,714
−HK$1,874/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$76,414
+HK$3,826/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,221
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$2,282/mo
Today · 4.125%
HK$76,750
baseline
▲ 0.50% · 4.625%
HK$81,420
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,500/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,345
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,500
−HK$2,186/mo
Today · 4.125%
HK$84,686
baseline
▲ 0.50% · 4.625%
HK$89,150
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,372/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,856
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,744
−HK$2,935/mo
Today · 4.125%
HK$98,679
baseline
▲ 0.50% · 4.625%
HK$104,683
+HK$6,004/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,358/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,301
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,071
−HK$2,811/mo
Today · 4.125%
HK$108,882
baseline
▲ 0.50% · 4.625%
HK$114,621
+HK$5,739/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,764/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,483 · Scale 2, in force from 26 Feb 2026)