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$51,747
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,356
−HK$1,636/mo
Today · 4.125%
HK$54,992
baseline
▲ 0.50% · 4.625%
HK$58,338
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,984/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,568
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,112
−HK$1,566/mo
Today · 4.125%
HK$60,678
baseline
▲ 0.50% · 4.625%
HK$63,876
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,356/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,096
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,028
−HK$1,962/mo
Today · 4.125%
HK$65,990
baseline
▲ 0.50% · 4.625%
HK$70,005
+HK$4,015/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,980/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,081
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,934
−HK$1,879/mo
Today · 4.125%
HK$72,813
baseline
▲ 0.50% · 4.625%
HK$76,652
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,626/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,445
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,699
−HK$2,289/mo
Today · 4.125%
HK$76,988
baseline
▲ 0.50% · 4.625%
HK$81,673
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,976/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,595
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,756
−HK$2,193/mo
Today · 4.125%
HK$84,949
baseline
▲ 0.50% · 4.625%
HK$89,427
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,898/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,144
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,041
−HK$2,944/mo
Today · 4.125%
HK$98,985
baseline
▲ 0.50% · 4.625%
HK$105,008
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,970/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,622
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,401
−HK$2,819/mo
Today · 4.125%
HK$109,220
baseline
▲ 0.50% · 4.625%
HK$114,977
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,440/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,469 · Scale 2, in force from 26 Feb 2026)