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$51,619
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,224
−HK$1,631/mo
Today · 4.125%
HK$54,855
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,710/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,425
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,965
−HK$1,563/mo
Today · 4.125%
HK$60,528
baseline
▲ 0.50% · 4.625%
HK$63,718
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,056/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,942
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,869
−HK$1,958/mo
Today · 4.125%
HK$65,827
baseline
▲ 0.50% · 4.625%
HK$69,832
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,654/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,758
−HK$1,875/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$76,462
+HK$3,829/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,266
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,514
−HK$2,284/mo
Today · 4.125%
HK$76,798
baseline
▲ 0.50% · 4.625%
HK$81,471
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,596/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,395
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,551
−HK$2,188/mo
Today · 4.125%
HK$84,739
baseline
▲ 0.50% · 4.625%
HK$89,205
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,478/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,913
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,804
−HK$2,936/mo
Today · 4.125%
HK$98,740
baseline
▲ 0.50% · 4.625%
HK$104,748
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,480/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,365
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,137
−HK$2,813/mo
Today · 4.125%
HK$108,950
baseline
▲ 0.50% · 4.625%
HK$114,693
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,900/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,080 · Scale 2, in force from 26 Feb 2026)