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$51,425
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,025
−HK$1,625/mo
Today · 4.125%
HK$54,650
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,300/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,210
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,557/mo
Today · 4.125%
HK$60,301
baseline
▲ 0.50% · 4.625%
HK$63,479
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,602/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,710
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,630
−HK$1,950/mo
Today · 4.125%
HK$65,580
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,160/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,652
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,493
−HK$1,868/mo
Today · 4.125%
HK$72,361
baseline
▲ 0.50% · 4.625%
HK$76,175
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,722/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,995
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,235
−HK$2,275/mo
Today · 4.125%
HK$76,510
baseline
▲ 0.50% · 4.625%
HK$81,166
+HK$4,656/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,020/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,094
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,242
−HK$2,179/mo
Today · 4.125%
HK$84,421
baseline
▲ 0.50% · 4.625%
HK$88,871
+HK$4,450/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,842/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,445
−HK$2,925/mo
Today · 4.125%
HK$98,370
baseline
▲ 0.50% · 4.625%
HK$104,356
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,740/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,978
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,740
−HK$2,802/mo
Today · 4.125%
HK$108,542
baseline
▲ 0.50% · 4.625%
HK$114,263
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,084/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,477 · Scale 2, in force from 26 Feb 2026)