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$51,638
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,245
−HK$1,631/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$58,216
+HK$3,340/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,447
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,563/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,966
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,893
−HK$1,959/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,936
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$1,876/mo
Today · 4.125%
HK$72,661
baseline
▲ 0.50% · 4.625%
HK$76,491
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,322/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,294
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$2,285/mo
Today · 4.125%
HK$76,827
baseline
▲ 0.50% · 4.625%
HK$81,502
+HK$4,675/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,654/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,426
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,583
−HK$2,188/mo
Today · 4.125%
HK$84,771
baseline
▲ 0.50% · 4.625%
HK$89,239
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,542/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,949
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,840
−HK$2,938/mo
Today · 4.125%
HK$98,778
baseline
▲ 0.50% · 4.625%
HK$104,788
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,556/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,405
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,178
−HK$2,813/mo
Today · 4.125%
HK$108,991
baseline
▲ 0.50% · 4.625%
HK$114,736
+HK$5,745/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,982/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,448 · Scale 2, in force from 26 Feb 2026)