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$51,565
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,169
−HK$1,629/mo
Today · 4.125%
HK$54,798
baseline
▲ 0.50% · 4.625%
HK$58,133
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,596/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,365
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,560/mo
Today · 4.125%
HK$60,464
baseline
▲ 0.50% · 4.625%
HK$63,652
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,928/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,802
−HK$1,956/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$4,001/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,838
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,684
−HK$1,873/mo
Today · 4.125%
HK$72,557
baseline
▲ 0.50% · 4.625%
HK$76,382
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,114/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,190
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$2,281/mo
Today · 4.125%
HK$76,717
baseline
▲ 0.50% · 4.625%
HK$81,386
+HK$4,669/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,434/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,311
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,465
−HK$2,185/mo
Today · 4.125%
HK$84,650
baseline
▲ 0.50% · 4.625%
HK$89,112
+HK$4,462/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,300/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,816
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,703
−HK$2,934/mo
Today · 4.125%
HK$98,637
baseline
▲ 0.50% · 4.625%
HK$104,639
+HK$6,002/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,274/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,257
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,027
−HK$2,809/mo
Today · 4.125%
HK$108,836
baseline
▲ 0.50% · 4.625%
HK$114,573
+HK$5,737/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,672/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,075 · Scale 2, in force from 26 Feb 2026)