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$51,758
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,368
−HK$1,635/mo
Today · 4.125%
HK$55,003
baseline
▲ 0.50% · 4.625%
HK$58,350
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,006/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,580
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,124
−HK$1,567/mo
Today · 4.125%
HK$60,691
baseline
▲ 0.50% · 4.625%
HK$63,890
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,382/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,109
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,041
−HK$1,963/mo
Today · 4.125%
HK$66,004
baseline
▲ 0.50% · 4.625%
HK$70,020
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,008/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,096
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,949
−HK$1,880/mo
Today · 4.125%
HK$72,829
baseline
▲ 0.50% · 4.625%
HK$76,668
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,658/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,461
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$2,290/mo
Today · 4.125%
HK$77,005
baseline
▲ 0.50% · 4.625%
HK$81,690
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,010/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,612
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,774
−HK$2,193/mo
Today · 4.125%
HK$84,967
baseline
▲ 0.50% · 4.625%
HK$89,446
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,934/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,164
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,062
−HK$2,944/mo
Today · 4.125%
HK$99,006
baseline
▲ 0.50% · 4.625%
HK$105,030
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,012/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,644
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,423
−HK$2,820/mo
Today · 4.125%
HK$109,243
baseline
▲ 0.50% · 4.625%
HK$115,002
+HK$5,759/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,486/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,673 · Scale 2, in force from 26 Feb 2026)