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$51,629
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,631/mo
Today · 4.125%
HK$54,866
baseline
▲ 0.50% · 4.625%
HK$58,205
+HK$3,339/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,732/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,436
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,562/mo
Today · 4.125%
HK$60,539
baseline
▲ 0.50% · 4.625%
HK$63,731
+HK$3,192/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,078/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,954
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,882
−HK$1,957/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,846
+HK$4,007/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,924
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,772
−HK$1,875/mo
Today · 4.125%
HK$72,647
baseline
▲ 0.50% · 4.625%
HK$76,477
+HK$3,830/mo
Deposit HK$9.06M · loan HK$13.58M · min. income ≈ HK$145,294/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,280
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,528
−HK$2,285/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$81,487
+HK$4,674/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,411
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,568
−HK$2,187/mo
Today · 4.125%
HK$84,755
baseline
▲ 0.50% · 4.625%
HK$89,223
+HK$4,468/mo
Deposit HK$6.79M · loan HK$15.85M · min. income ≈ HK$169,510/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,932
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,822
−HK$2,937/mo
Today · 4.125%
HK$98,759
baseline
▲ 0.50% · 4.625%
HK$104,768
+HK$6,009/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$197,518/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,385
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,158
−HK$2,813/mo
Today · 4.125%
HK$108,971
baseline
▲ 0.50% · 4.625%
HK$114,715
+HK$5,744/mo
Deposit HK$2.26M · loan HK$20.38M · min. income ≈ HK$217,942/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,269 · Scale 2, in force from 26 Feb 2026)