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$51,761
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,371
−HK$1,636/mo
Today · 4.125%
HK$55,007
baseline
▲ 0.50% · 4.625%
HK$58,354
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,014/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,584
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,128
−HK$1,567/mo
Today · 4.125%
HK$60,695
baseline
▲ 0.50% · 4.625%
HK$63,894
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,390/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,113
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,046
−HK$1,963/mo
Today · 4.125%
HK$66,009
baseline
▲ 0.50% · 4.625%
HK$70,025
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,018/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,101
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,954
−HK$1,880/mo
Today · 4.125%
HK$72,834
baseline
▲ 0.50% · 4.625%
HK$76,673
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,668/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,466
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$2,290/mo
Today · 4.125%
HK$77,010
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,686/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,020/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,617
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,780
−HK$2,193/mo
Today · 4.125%
HK$84,973
baseline
▲ 0.50% · 4.625%
HK$89,452
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,946/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,170
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,068
−HK$2,945/mo
Today · 4.125%
HK$99,013
baseline
▲ 0.50% · 4.625%
HK$105,038
+HK$6,025/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,026/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,651
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,431
−HK$2,820/mo
Today · 4.125%
HK$109,251
baseline
▲ 0.50% · 4.625%
HK$115,010
+HK$5,759/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,502/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,740 · Scale 2, in force from 26 Feb 2026)