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$51,749
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,359
−HK$1,635/mo
Today · 4.125%
HK$54,994
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,988/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,571
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,115
−HK$1,566/mo
Today · 4.125%
HK$60,681
baseline
▲ 0.50% · 4.625%
HK$63,879
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,362/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,962/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,937
−HK$1,880/mo
Today · 4.125%
HK$72,817
baseline
▲ 0.50% · 4.625%
HK$76,655
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,634/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,449
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$2,290/mo
Today · 4.125%
HK$76,992
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,984/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,599
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,193/mo
Today · 4.125%
HK$84,953
baseline
▲ 0.50% · 4.625%
HK$89,431
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,906/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,149
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,046
−HK$2,944/mo
Today · 4.125%
HK$98,990
baseline
▲ 0.50% · 4.625%
HK$105,013
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$197,980/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,627
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,406
−HK$2,820/mo
Today · 4.125%
HK$109,226
baseline
▲ 0.50% · 4.625%
HK$114,983
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,452/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,516 · Scale 2, in force from 26 Feb 2026)