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$51,795
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,406
−HK$1,637/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$58,393
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,167
−HK$1,568/mo
Today · 4.125%
HK$60,735
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,201/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,470/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,154
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,964/mo
Today · 4.125%
HK$66,052
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$4,019/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,104/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,146
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,001
−HK$1,881/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$76,724
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,513
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,769
−HK$2,292/mo
Today · 4.125%
HK$77,061
baseline
▲ 0.50% · 4.625%
HK$81,750
+HK$4,689/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,122/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,834
−HK$2,195/mo
Today · 4.125%
HK$85,029
baseline
▲ 0.50% · 4.625%
HK$89,511
+HK$4,482/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,058/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,231
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,132
−HK$2,946/mo
Today · 4.125%
HK$99,078
baseline
▲ 0.50% · 4.625%
HK$105,107
+HK$6,029/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,156/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,719
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,501
−HK$2,822/mo
Today · 4.125%
HK$109,323
baseline
▲ 0.50% · 4.625%
HK$115,085
+HK$5,762/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,646/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,374 · Scale 2, in force from 26 Feb 2026)