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$51,588
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,193
−HK$1,630/mo
Today · 4.125%
HK$54,823
baseline
▲ 0.50% · 4.625%
HK$58,159
+HK$3,336/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,646/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,391
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,562/mo
Today · 4.125%
HK$60,492
baseline
▲ 0.50% · 4.625%
HK$63,680
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,984/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,905
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,957/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,869
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$1,874/mo
Today · 4.125%
HK$72,590
baseline
▲ 0.50% · 4.625%
HK$76,416
+HK$3,826/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,180/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,470
−HK$2,282/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,347
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,502
−HK$2,186/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,152
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,858
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,747
−HK$2,934/mo
Today · 4.125%
HK$98,681
baseline
▲ 0.50% · 4.625%
HK$104,686
+HK$6,005/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,362/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,304
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,074
−HK$2,811/mo
Today · 4.125%
HK$108,885
baseline
▲ 0.50% · 4.625%
HK$114,625
+HK$5,740/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,770/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,509 · Scale 2, in force from 26 Feb 2026)