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$51,949
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,641/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,792
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,342
−HK$1,573/mo
Today · 4.125%
HK$60,915
baseline
▲ 0.50% · 4.625%
HK$64,126
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,830/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,338
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,970/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$70,279
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,351
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,211
−HK$1,887/mo
Today · 4.125%
HK$73,098
baseline
▲ 0.50% · 4.625%
HK$76,951
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,196/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$2,298/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,992
+HK$4,703/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,202/mo
Today · 4.125%
HK$85,281
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,562/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,508
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,416
−HK$2,955/mo
Today · 4.125%
HK$99,371
baseline
▲ 0.50% · 4.625%
HK$105,418
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,742/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,026
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,816
−HK$2,831/mo
Today · 4.125%
HK$109,647
baseline
▲ 0.50% · 4.625%
HK$115,426
+HK$5,779/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,294/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,234 · Scale 2, in force from 26 Feb 2026)