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$51,751
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,636/mo
Today · 4.125%
HK$54,996
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,992/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,572
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,116
−HK$1,566/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$63,881
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,101
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,032
−HK$1,963/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$70,011
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,086
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,939
−HK$1,880/mo
Today · 4.125%
HK$72,819
baseline
▲ 0.50% · 4.625%
HK$76,657
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,638/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,451
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,704
−HK$2,290/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,679
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,601
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,762
−HK$2,193/mo
Today · 4.125%
HK$84,955
baseline
▲ 0.50% · 4.625%
HK$89,433
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,910/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,151
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,048
−HK$2,944/mo
Today · 4.125%
HK$98,992
baseline
▲ 0.50% · 4.625%
HK$105,016
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$197,984/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,629
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,409
−HK$2,819/mo
Today · 4.125%
HK$109,228
baseline
▲ 0.50% · 4.625%
HK$114,986
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,456/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,540 · Scale 2, in force from 26 Feb 2026)