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$51,428
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,028
−HK$1,625/mo
Today · 4.125%
HK$54,653
baseline
▲ 0.50% · 4.625%
HK$57,979
+HK$3,326/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,306/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,213
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,748
−HK$1,557/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,714
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,950/mo
Today · 4.125%
HK$65,584
baseline
▲ 0.50% · 4.625%
HK$69,575
+HK$3,991/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,168/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,656
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,497
−HK$1,868/mo
Today · 4.125%
HK$72,365
baseline
▲ 0.50% · 4.625%
HK$76,180
+HK$3,815/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,730/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,000
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,239
−HK$2,276/mo
Today · 4.125%
HK$76,515
baseline
▲ 0.50% · 4.625%
HK$81,170
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,030/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,099
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,247
−HK$2,179/mo
Today · 4.125%
HK$84,426
baseline
▲ 0.50% · 4.625%
HK$88,877
+HK$4,451/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,852/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,571
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,450
−HK$2,926/mo
Today · 4.125%
HK$98,376
baseline
▲ 0.50% · 4.625%
HK$104,362
+HK$5,986/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,752/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,984
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,746
−HK$2,802/mo
Today · 4.125%
HK$108,548
baseline
▲ 0.50% · 4.625%
HK$114,270
+HK$5,722/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,096/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,534 · Scale 2, in force from 26 Feb 2026)