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$51,634
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,632/mo
Today · 4.125%
HK$54,872
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,744/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,443
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,563/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$63,737
+HK$3,191/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,961
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,888
−HK$1,959/mo
Today · 4.125%
HK$65,847
baseline
▲ 0.50% · 4.625%
HK$69,853
+HK$4,006/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$131,694/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,931
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,780
−HK$1,875/mo
Today · 4.125%
HK$72,655
baseline
▲ 0.50% · 4.625%
HK$76,485
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.59M · min. income ≈ HK$145,310/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,288
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,537
−HK$2,284/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$81,495
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,420
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,576
−HK$2,188/mo
Today · 4.125%
HK$84,764
baseline
▲ 0.50% · 4.625%
HK$89,232
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,528/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,942
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,833
−HK$2,937/mo
Today · 4.125%
HK$98,770
baseline
▲ 0.50% · 4.625%
HK$104,780
+HK$6,010/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,540/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,397
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$2,813/mo
Today · 4.125%
HK$108,983
baseline
▲ 0.50% · 4.625%
HK$114,727
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,966/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,373 · Scale 2, in force from 26 Feb 2026)