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$51,503
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,628/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$58,063
+HK$3,330/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,296
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,833
−HK$1,559/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$63,575
+HK$3,183/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,803
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,953/mo
Today · 4.125%
HK$65,679
baseline
▲ 0.50% · 4.625%
HK$69,676
+HK$3,997/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$131,358/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,756
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$1,870/mo
Today · 4.125%
HK$72,470
baseline
▲ 0.50% · 4.625%
HK$76,290
+HK$3,820/mo
Deposit HK$9.03M · loan HK$13.55M · min. income ≈ HK$144,940/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,347
−HK$2,279/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,662/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,215
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,366
−HK$2,183/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,006
+HK$4,457/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,705
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,589
−HK$2,930/mo
Today · 4.125%
HK$98,519
baseline
▲ 0.50% · 4.625%
HK$104,513
+HK$5,994/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,038/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,134
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,900
−HK$2,806/mo
Today · 4.125%
HK$108,706
baseline
▲ 0.50% · 4.625%
HK$114,436
+HK$5,730/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,412/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,925 · Scale 2, in force from 26 Feb 2026)