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$51,408
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,007
−HK$1,624/mo
Today · 4.125%
HK$54,631
baseline
▲ 0.50% · 4.625%
HK$57,956
+HK$3,325/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,262/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,191
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,724
−HK$1,556/mo
Today · 4.125%
HK$60,280
baseline
▲ 0.50% · 4.625%
HK$63,458
+HK$3,178/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,560/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,689
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,608
−HK$1,950/mo
Today · 4.125%
HK$65,558
baseline
▲ 0.50% · 4.625%
HK$69,547
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,116/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,629
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,469
−HK$1,867/mo
Today · 4.125%
HK$72,336
baseline
▲ 0.50% · 4.625%
HK$76,149
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,672/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,971
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$2,275/mo
Today · 4.125%
HK$76,484
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,968/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,067
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,214
−HK$2,178/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$88,841
+HK$4,449/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,412
−HK$2,924/mo
Today · 4.125%
HK$98,336
baseline
▲ 0.50% · 4.625%
HK$104,320
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,672/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,943
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,704
−HK$2,801/mo
Today · 4.125%
HK$108,505
baseline
▲ 0.50% · 4.625%
HK$114,224
+HK$5,719/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,010/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,150 · Scale 2, in force from 26 Feb 2026)