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$51,655
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,632/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$58,234
+HK$3,340/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,466
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$59,007
−HK$1,563/mo
Today · 4.125%
HK$60,570
baseline
▲ 0.50% · 4.625%
HK$63,763
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,140/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,986
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,959/mo
Today · 4.125%
HK$65,873
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$4,008/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,746/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,959
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$1,876/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,368/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,317
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,566
−HK$2,286/mo
Today · 4.125%
HK$76,852
baseline
▲ 0.50% · 4.625%
HK$81,528
+HK$4,676/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,704/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,452
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,609
−HK$2,189/mo
Today · 4.125%
HK$84,798
baseline
▲ 0.50% · 4.625%
HK$89,268
+HK$4,470/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,596/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,871
−HK$2,938/mo
Today · 4.125%
HK$98,809
baseline
▲ 0.50% · 4.625%
HK$104,822
+HK$6,013/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,618/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,438
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,212
−HK$2,814/mo
Today · 4.125%
HK$109,026
baseline
▲ 0.50% · 4.625%
HK$114,773
+HK$5,747/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,052/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,758 · Scale 2, in force from 26 Feb 2026)