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$51,756
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,366
−HK$1,636/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$58,349
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,579
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,123
−HK$1,566/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,040
−HK$1,962/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$70,019
+HK$4,017/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,094
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,947
−HK$1,880/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$76,666
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,713
−HK$2,290/mo
Today · 4.125%
HK$77,003
baseline
▲ 0.50% · 4.625%
HK$81,688
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,006/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,610
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,772
−HK$2,193/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$89,444
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,162
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,059
−HK$2,945/mo
Today · 4.125%
HK$99,004
baseline
▲ 0.50% · 4.625%
HK$105,028
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,008/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,641
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,421
−HK$2,820/mo
Today · 4.125%
HK$109,241
baseline
▲ 0.50% · 4.625%
HK$114,999
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,482/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,650 · Scale 2, in force from 26 Feb 2026)