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$51,625
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,231
−HK$1,631/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$58,200
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,432
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,972
−HK$1,563/mo
Today · 4.125%
HK$60,535
baseline
▲ 0.50% · 4.625%
HK$63,726
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,070/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,950
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,877
−HK$1,958/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,840
+HK$4,005/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,918
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,767
−HK$1,875/mo
Today · 4.125%
HK$72,642
baseline
▲ 0.50% · 4.625%
HK$76,471
+HK$3,829/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,284/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,275
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,523
−HK$2,284/mo
Today · 4.125%
HK$76,807
baseline
▲ 0.50% · 4.625%
HK$81,480
+HK$4,673/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,614/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,405
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,561
−HK$2,188/mo
Today · 4.125%
HK$84,749
baseline
▲ 0.50% · 4.625%
HK$89,216
+HK$4,467/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,498/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,925
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,937/mo
Today · 4.125%
HK$98,752
baseline
▲ 0.50% · 4.625%
HK$104,761
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,504/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,378
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,150
−HK$2,813/mo
Today · 4.125%
HK$108,963
baseline
▲ 0.50% · 4.625%
HK$114,706
+HK$5,743/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,926/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,196 · Scale 2, in force from 26 Feb 2026)