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$51,965
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,581
−HK$1,643/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,810
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,361
−HK$1,573/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,146
+HK$3,212/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,358
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,970/mo
Today · 4.125%
HK$66,268
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$132,536/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,372
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,233
−HK$1,887/mo
Today · 4.125%
HK$73,120
baseline
▲ 0.50% · 4.625%
HK$76,975
+HK$3,855/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$146,240/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,751
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,014
−HK$2,299/mo
Today · 4.125%
HK$77,313
baseline
▲ 0.50% · 4.625%
HK$82,017
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,626/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,935
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,105
−HK$2,202/mo
Today · 4.125%
HK$85,307
baseline
▲ 0.50% · 4.625%
HK$89,804
+HK$4,497/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,614/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,537
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,446
−HK$2,956/mo
Today · 4.125%
HK$99,402
baseline
▲ 0.50% · 4.625%
HK$105,451
+HK$6,049/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,804/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,059
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,850
−HK$2,831/mo
Today · 4.125%
HK$109,681
baseline
▲ 0.50% · 4.625%
HK$115,462
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,362/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,535 · Scale 2, in force from 26 Feb 2026)