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$51,558
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,162
−HK$1,629/mo
Today · 4.125%
HK$54,791
baseline
▲ 0.50% · 4.625%
HK$58,125
+HK$3,334/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,582/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,358
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,561/mo
Today · 4.125%
HK$60,457
baseline
▲ 0.50% · 4.625%
HK$63,643
+HK$3,186/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,914/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,870
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,794
−HK$1,955/mo
Today · 4.125%
HK$65,749
baseline
▲ 0.50% · 4.625%
HK$69,750
+HK$4,001/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$131,498/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,829
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,675
−HK$1,873/mo
Today · 4.125%
HK$72,548
baseline
▲ 0.50% · 4.625%
HK$76,372
+HK$3,824/mo
Deposit HK$9.04M · loan HK$13.57M · min. income ≈ HK$145,096/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,181
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,426
−HK$2,282/mo
Today · 4.125%
HK$76,708
baseline
▲ 0.50% · 4.625%
HK$81,375
+HK$4,667/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,416/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,301
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,454
−HK$2,185/mo
Today · 4.125%
HK$84,639
baseline
▲ 0.50% · 4.625%
HK$89,101
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,278/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,804
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,691
−HK$2,933/mo
Today · 4.125%
HK$98,624
baseline
▲ 0.50% · 4.625%
HK$104,625
+HK$6,001/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,248/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,244
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,013
−HK$2,809/mo
Today · 4.125%
HK$108,822
baseline
▲ 0.50% · 4.625%
HK$114,558
+HK$5,736/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,644/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$960,950 · Scale 2, in force from 26 Feb 2026)