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$51,404
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,003
−HK$1,624/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,951
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,186
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,720
−HK$1,556/mo
Today · 4.125%
HK$60,276
baseline
▲ 0.50% · 4.625%
HK$63,453
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,552/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,684
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,603
−HK$1,950/mo
Today · 4.125%
HK$65,553
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,988/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,106/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,623
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,464
−HK$1,867/mo
Today · 4.125%
HK$72,331
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$3,812/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,662/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,965
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,204
−HK$2,274/mo
Today · 4.125%
HK$76,478
baseline
▲ 0.50% · 4.625%
HK$81,131
+HK$4,653/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,956/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,060
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,208
−HK$2,178/mo
Today · 4.125%
HK$84,386
baseline
▲ 0.50% · 4.625%
HK$88,834
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,772/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,527
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,405
−HK$2,924/mo
Today · 4.125%
HK$98,329
baseline
▲ 0.50% · 4.625%
HK$104,312
+HK$5,983/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,658/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,935
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,696
−HK$2,800/mo
Today · 4.125%
HK$108,496
baseline
▲ 0.50% · 4.625%
HK$114,215
+HK$5,719/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$216,992/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,075 · Scale 2, in force from 26 Feb 2026)