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$51,413
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,625/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,961
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,196
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,556/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,464
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,614
−HK$1,950/mo
Today · 4.125%
HK$65,564
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,990/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,128/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,635
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,476
−HK$1,868/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,157
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,978
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,217
−HK$2,275/mo
Today · 4.125%
HK$76,492
baseline
▲ 0.50% · 4.625%
HK$81,146
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,984/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,075
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,222
−HK$2,179/mo
Today · 4.125%
HK$84,401
baseline
▲ 0.50% · 4.625%
HK$88,850
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,802/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,543
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,422
−HK$2,924/mo
Today · 4.125%
HK$98,346
baseline
▲ 0.50% · 4.625%
HK$104,330
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,692/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,953
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,714
−HK$2,801/mo
Today · 4.125%
HK$108,515
baseline
▲ 0.50% · 4.625%
HK$114,235
+HK$5,720/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,030/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,245 · Scale 2, in force from 26 Feb 2026)