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$51,407
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,624/mo
Today · 4.125%
HK$54,630
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$3,324/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$109,260/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,189
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,723
−HK$1,556/mo
Today · 4.125%
HK$60,279
baseline
▲ 0.50% · 4.625%
HK$63,456
+HK$3,177/mo
Deposit HK$11.27M · loan HK$11.27M · min. income ≈ HK$120,558/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,688
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,949/mo
Today · 4.125%
HK$65,556
baseline
▲ 0.50% · 4.625%
HK$69,545
+HK$3,989/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$131,112/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,627
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,468
−HK$1,867/mo
Today · 4.125%
HK$72,335
baseline
▲ 0.50% · 4.625%
HK$76,148
+HK$3,813/mo
Deposit HK$9.02M · loan HK$13.53M · min. income ≈ HK$144,670/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,969
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,208
−HK$2,274/mo
Today · 4.125%
HK$76,482
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,654/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$152,964/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,065
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,212
−HK$2,179/mo
Today · 4.125%
HK$84,391
baseline
▲ 0.50% · 4.625%
HK$88,839
+HK$4,448/mo
Deposit HK$6.76M · loan HK$15.78M · min. income ≈ HK$168,782/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,532
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,410
−HK$2,924/mo
Today · 4.125%
HK$98,334
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,984/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$196,668/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,941
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,702
−HK$2,800/mo
Today · 4.125%
HK$108,502
baseline
▲ 0.50% · 4.625%
HK$114,222
+HK$5,720/mo
Deposit HK$2.25M · loan HK$20.29M · min. income ≈ HK$217,004/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$958,129 · Scale 2, in force from 26 Feb 2026)