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$51,814
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,425
−HK$1,638/mo
Today · 4.125%
HK$55,063
baseline
▲ 0.50% · 4.625%
HK$58,413
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,126/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,642
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,188
−HK$1,569/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$63,959
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,177
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,111
−HK$1,965/mo
Today · 4.125%
HK$66,076
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,152/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,026
−HK$1,882/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$76,751
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,539
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,796
−HK$2,292/mo
Today · 4.125%
HK$77,088
baseline
▲ 0.50% · 4.625%
HK$81,779
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,176/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,699
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,864
−HK$2,195/mo
Today · 4.125%
HK$85,059
baseline
▲ 0.50% · 4.625%
HK$89,543
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,118/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,265
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,166
−HK$2,947/mo
Today · 4.125%
HK$99,113
baseline
▲ 0.50% · 4.625%
HK$105,144
+HK$6,031/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,226/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,756
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,539
−HK$2,823/mo
Today · 4.125%
HK$109,362
baseline
▲ 0.50% · 4.625%
HK$115,126
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,724/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,719 · Scale 2, in force from 26 Feb 2026)