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$51,984
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,601
−HK$1,643/mo
Today · 4.125%
HK$55,244
baseline
▲ 0.50% · 4.625%
HK$58,605
+HK$3,361/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,488/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,831
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,382
−HK$1,574/mo
Today · 4.125%
HK$60,956
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,912/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,380
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,321
−HK$1,971/mo
Today · 4.125%
HK$66,292
baseline
▲ 0.50% · 4.625%
HK$70,326
+HK$4,034/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,584/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,398
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,259
−HK$1,888/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,003
+HK$3,856/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,777
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,041
−HK$2,300/mo
Today · 4.125%
HK$77,341
baseline
▲ 0.50% · 4.625%
HK$82,047
+HK$4,706/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,682/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,964
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,135
−HK$2,203/mo
Today · 4.125%
HK$85,338
baseline
▲ 0.50% · 4.625%
HK$89,836
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,676/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,571
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,481
−HK$2,957/mo
Today · 4.125%
HK$99,438
baseline
▲ 0.50% · 4.625%
HK$105,489
+HK$6,051/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,876/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,096
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,888
−HK$2,832/mo
Today · 4.125%
HK$109,720
baseline
▲ 0.50% · 4.625%
HK$115,504
+HK$5,784/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,440/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,885 · Scale 2, in force from 26 Feb 2026)