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$51,419
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,018
−HK$1,625/mo
Today · 4.125%
HK$54,643
baseline
▲ 0.50% · 4.625%
HK$57,968
+HK$3,325/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,286/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,737
−HK$1,556/mo
Today · 4.125%
HK$60,293
baseline
▲ 0.50% · 4.625%
HK$63,472
+HK$3,179/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,586/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,703
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,622
−HK$1,950/mo
Today · 4.125%
HK$65,572
baseline
▲ 0.50% · 4.625%
HK$69,562
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,144/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,643
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$1,868/mo
Today · 4.125%
HK$72,352
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$3,814/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,704/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,225
−HK$2,275/mo
Today · 4.125%
HK$76,500
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,655/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$153,000/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,084
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,179/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,554
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,433
−HK$2,925/mo
Today · 4.125%
HK$98,358
baseline
▲ 0.50% · 4.625%
HK$104,343
+HK$5,985/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,716/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,965
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,727
−HK$2,801/mo
Today · 4.125%
HK$108,528
baseline
▲ 0.50% · 4.625%
HK$114,249
+HK$5,721/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,056/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,357 · Scale 2, in force from 26 Feb 2026)