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$51,807
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,419
−HK$1,637/mo
Today · 4.125%
HK$55,056
baseline
▲ 0.50% · 4.625%
HK$58,406
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,112/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,635
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,181
−HK$1,568/mo
Today · 4.125%
HK$60,749
baseline
▲ 0.50% · 4.625%
HK$63,951
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,498/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,169
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,964/mo
Today · 4.125%
HK$66,067
baseline
▲ 0.50% · 4.625%
HK$70,087
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,134/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,162
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,017
−HK$1,882/mo
Today · 4.125%
HK$72,899
baseline
▲ 0.50% · 4.625%
HK$76,741
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,798/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,530
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,786
−HK$2,292/mo
Today · 4.125%
HK$77,078
baseline
▲ 0.50% · 4.625%
HK$81,769
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,156/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,689
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,853
−HK$2,196/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$89,532
+HK$4,483/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,253
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,154
−HK$2,947/mo
Today · 4.125%
HK$99,101
baseline
▲ 0.50% · 4.625%
HK$105,131
+HK$6,030/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,202/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,743
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,526
−HK$2,822/mo
Today · 4.125%
HK$109,348
baseline
▲ 0.50% · 4.625%
HK$115,112
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,696/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,598 · Scale 2, in force from 26 Feb 2026)