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$51,614
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,220
−HK$1,631/mo
Today · 4.125%
HK$54,851
baseline
▲ 0.50% · 4.625%
HK$58,189
+HK$3,338/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$109,702/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,421
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,961
−HK$1,562/mo
Today · 4.125%
HK$60,523
baseline
▲ 0.50% · 4.625%
HK$63,713
+HK$3,190/mo
Deposit HK$11.32M · loan HK$11.32M · min. income ≈ HK$121,046/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,937
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,957/mo
Today · 4.125%
HK$65,821
baseline
▲ 0.50% · 4.625%
HK$69,826
+HK$4,005/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$131,642/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,753
−HK$1,874/mo
Today · 4.125%
HK$72,627
baseline
▲ 0.50% · 4.625%
HK$76,456
+HK$3,829/mo
Deposit HK$9.05M · loan HK$13.58M · min. income ≈ HK$145,254/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,508
−HK$2,284/mo
Today · 4.125%
HK$76,792
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,672/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,584/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,389
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,187/mo
Today · 4.125%
HK$84,732
baseline
▲ 0.50% · 4.625%
HK$89,198
+HK$4,466/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,464/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,906
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,796
−HK$2,936/mo
Today · 4.125%
HK$98,732
baseline
▲ 0.50% · 4.625%
HK$104,740
+HK$6,008/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$197,464/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,357
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,129
−HK$2,812/mo
Today · 4.125%
HK$108,941
baseline
▲ 0.50% · 4.625%
HK$114,683
+HK$5,742/mo
Deposit HK$2.26M · loan HK$20.37M · min. income ≈ HK$217,882/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$962,004 · Scale 2, in force from 26 Feb 2026)