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$51,420
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,625/mo
Today · 4.125%
HK$54,645
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$3,325/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$109,290/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,204
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,556/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,178/mo
Deposit HK$11.28M · loan HK$11.28M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,704
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,624
−HK$1,950/mo
Today · 4.125%
HK$65,574
baseline
▲ 0.50% · 4.625%
HK$69,564
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,148/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$1,868/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,168
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,988
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,227
−HK$2,276/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$81,158
+HK$4,655/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,086
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,234
−HK$2,179/mo
Today · 4.125%
HK$84,413
baseline
▲ 0.50% · 4.625%
HK$88,862
+HK$4,449/mo
Deposit HK$6.77M · loan HK$15.79M · min. income ≈ HK$168,826/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,556
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,435
−HK$2,925/mo
Today · 4.125%
HK$98,360
baseline
▲ 0.50% · 4.625%
HK$104,345
+HK$5,985/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$196,720/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,968
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,729
−HK$2,802/mo
Today · 4.125%
HK$108,531
baseline
▲ 0.50% · 4.625%
HK$114,252
+HK$5,721/mo
Deposit HK$2.26M · loan HK$20.30M · min. income ≈ HK$217,062/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,382 · Scale 2, in force from 26 Feb 2026)