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$51,694
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,302
−HK$1,633/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$58,278
+HK$3,343/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,509
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$59,051
−HK$1,565/mo
Today · 4.125%
HK$60,616
baseline
▲ 0.50% · 4.625%
HK$63,811
+HK$3,195/mo
Deposit HK$11.34M · loan HK$11.34M · min. income ≈ HK$121,232/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,033
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,961/mo
Today · 4.125%
HK$65,923
baseline
▲ 0.50% · 4.625%
HK$69,934
+HK$4,011/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$131,846/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,861
−HK$1,878/mo
Today · 4.125%
HK$72,739
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$3,834/mo
Deposit HK$9.07M · loan HK$13.60M · min. income ≈ HK$145,478/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,371
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,622
−HK$2,288/mo
Today · 4.125%
HK$76,910
baseline
▲ 0.50% · 4.625%
HK$81,589
+HK$4,679/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$153,820/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,512
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,672
−HK$2,190/mo
Today · 4.125%
HK$84,862
baseline
▲ 0.50% · 4.625%
HK$89,335
+HK$4,473/mo
Deposit HK$6.80M · loan HK$15.87M · min. income ≈ HK$169,724/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,049
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,943
−HK$2,941/mo
Today · 4.125%
HK$98,884
baseline
▲ 0.50% · 4.625%
HK$104,901
+HK$6,017/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$197,768/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,516
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,292
−HK$2,817/mo
Today · 4.125%
HK$109,109
baseline
▲ 0.50% · 4.625%
HK$114,860
+HK$5,751/mo
Deposit HK$2.27M · loan HK$20.40M · min. income ≈ HK$218,218/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,482 · Scale 2, in force from 26 Feb 2026)