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$51,622
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,228
−HK$1,631/mo
Today · 4.125%
HK$54,859
baseline
▲ 0.50% · 4.625%
HK$58,197
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,718/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,429
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,969
−HK$1,563/mo
Today · 4.125%
HK$60,532
baseline
▲ 0.50% · 4.625%
HK$63,723
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,064/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,947
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,873
−HK$1,958/mo
Today · 4.125%
HK$65,831
baseline
▲ 0.50% · 4.625%
HK$69,837
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,662/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,915
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$1,875/mo
Today · 4.125%
HK$72,638
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,276/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,271
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,519
−HK$2,284/mo
Today · 4.125%
HK$76,803
baseline
▲ 0.50% · 4.625%
HK$81,476
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,606/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,401
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,557
−HK$2,188/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,920
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,810
−HK$2,937/mo
Today · 4.125%
HK$98,747
baseline
▲ 0.50% · 4.625%
HK$104,755
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,494/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,372
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,145
−HK$2,812/mo
Today · 4.125%
HK$108,957
baseline
▲ 0.50% · 4.625%
HK$114,701
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,914/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,147 · Scale 2, in force from 26 Feb 2026)