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$51,587
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,631/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$3,335/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,390
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,929
−HK$1,561/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,189/mo
Deposit HK$11.31M · loan HK$11.31M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,904
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,830
−HK$1,956/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$4,003/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,868
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,715
−HK$1,873/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$76,415
+HK$3,827/mo
Deposit HK$9.05M · loan HK$13.57M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,221
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$2,282/mo
Today · 4.125%
HK$76,750
baseline
▲ 0.50% · 4.625%
HK$81,420
+HK$4,670/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$153,500/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,346
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,500
−HK$2,186/mo
Today · 4.125%
HK$84,686
baseline
▲ 0.50% · 4.625%
HK$89,150
+HK$4,464/mo
Deposit HK$6.79M · loan HK$15.84M · min. income ≈ HK$169,372/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,856
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,745
−HK$2,934/mo
Today · 4.125%
HK$98,679
baseline
▲ 0.50% · 4.625%
HK$104,683
+HK$6,004/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$197,358/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,302
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,072
−HK$2,811/mo
Today · 4.125%
HK$108,883
baseline
▲ 0.50% · 4.625%
HK$114,622
+HK$5,739/mo
Deposit HK$2.26M · loan HK$20.36M · min. income ≈ HK$217,766/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$961,488 · Scale 2, in force from 26 Feb 2026)