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$51,570
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,174
−HK$1,629/mo
Today · 4.125%
HK$54,803
baseline
▲ 0.50% · 4.625%
HK$58,138
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,606/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,371
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,909
−HK$1,561/mo
Today · 4.125%
HK$60,470
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,188/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,940/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,884
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,808
−HK$1,956/mo
Today · 4.125%
HK$65,764
baseline
▲ 0.50% · 4.625%
HK$69,766
+HK$4,002/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,528/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,845
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,691
−HK$1,873/mo
Today · 4.125%
HK$72,564
baseline
▲ 0.50% · 4.625%
HK$76,389
+HK$3,825/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,128/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,197
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,443
−HK$2,282/mo
Today · 4.125%
HK$76,725
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,668/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$153,450/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,473
−HK$2,185/mo
Today · 4.125%
HK$84,658
baseline
▲ 0.50% · 4.625%
HK$89,121
+HK$4,463/mo
Deposit HK$6.78M · loan HK$15.83M · min. income ≈ HK$169,316/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,825
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,713
−HK$2,933/mo
Today · 4.125%
HK$98,646
baseline
▲ 0.50% · 4.625%
HK$104,649
+HK$6,003/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$197,292/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,267
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,037
−HK$2,809/mo
Today · 4.125%
HK$108,846
baseline
▲ 0.50% · 4.625%
HK$114,584
+HK$5,738/mo
Deposit HK$2.26M · loan HK$20.35M · min. income ≈ HK$217,692/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,168 · Scale 2, in force from 26 Feb 2026)