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$51,821
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,638/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,651
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,197
−HK$1,569/mo
Today · 4.125%
HK$60,766
baseline
▲ 0.50% · 4.625%
HK$63,969
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,532/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,186
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,965/mo
Today · 4.125%
HK$66,085
baseline
▲ 0.50% · 4.625%
HK$70,106
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,170/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,036
−HK$1,883/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,550
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$2,293/mo
Today · 4.125%
HK$77,100
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,200/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,196/mo
Today · 4.125%
HK$85,072
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,144/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,279
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,180
−HK$2,948/mo
Today · 4.125%
HK$99,128
baseline
▲ 0.50% · 4.625%
HK$105,160
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,256/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,772
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,555
−HK$2,823/mo
Today · 4.125%
HK$109,378
baseline
▲ 0.50% · 4.625%
HK$115,143
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,756/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,862 · Scale 2, in force from 26 Feb 2026)