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$51,821
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,638/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,651
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,197
−HK$1,568/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,186
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,965/mo
Today · 4.125%
HK$66,085
baseline
▲ 0.50% · 4.625%
HK$70,106
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,170/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,036
−HK$1,882/mo
Today · 4.125%
HK$72,918
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$3,844/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,836/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,550
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$2,292/mo
Today · 4.125%
HK$77,099
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,198/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,196/mo
Today · 4.125%
HK$85,072
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,144/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,278
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,180
−HK$2,948/mo
Today · 4.125%
HK$99,128
baseline
▲ 0.50% · 4.625%
HK$105,159
+HK$6,031/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,256/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,771
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,554
−HK$2,824/mo
Today · 4.125%
HK$109,378
baseline
▲ 0.50% · 4.625%
HK$115,143
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,756/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,859 · Scale 2, in force from 26 Feb 2026)