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$51,626
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,232
−HK$1,632/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$58,202
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,434
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,974
−HK$1,563/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,958/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,769
−HK$1,875/mo
Today · 4.125%
HK$72,644
baseline
▲ 0.50% · 4.625%
HK$76,473
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,288/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,277
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,525
−HK$2,284/mo
Today · 4.125%
HK$76,809
baseline
▲ 0.50% · 4.625%
HK$81,483
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,618/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,407
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,564
−HK$2,187/mo
Today · 4.125%
HK$84,751
baseline
▲ 0.50% · 4.625%
HK$89,219
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,502/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,927
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,818
−HK$2,937/mo
Today · 4.125%
HK$98,755
baseline
▲ 0.50% · 4.625%
HK$104,763
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,510/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,381
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,153
−HK$2,813/mo
Today · 4.125%
HK$108,966
baseline
▲ 0.50% · 4.625%
HK$114,710
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,932/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,223 · Scale 2, in force from 26 Feb 2026)