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$51,824
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,436
−HK$1,638/mo
Today · 4.125%
HK$55,074
baseline
▲ 0.50% · 4.625%
HK$58,425
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,148/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,654
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,200
−HK$1,568/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,204/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,189
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,123
−HK$1,966/mo
Today · 4.125%
HK$66,089
baseline
▲ 0.50% · 4.625%
HK$70,110
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,178/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,184
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,040
−HK$1,882/mo
Today · 4.125%
HK$72,922
baseline
▲ 0.50% · 4.625%
HK$76,766
+HK$3,844/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,844/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,810
−HK$2,293/mo
Today · 4.125%
HK$77,103
baseline
▲ 0.50% · 4.625%
HK$81,795
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,206/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,715
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,880
−HK$2,196/mo
Today · 4.125%
HK$85,076
baseline
▲ 0.50% · 4.625%
HK$89,560
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,152/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,283
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,185
−HK$2,948/mo
Today · 4.125%
HK$99,133
baseline
▲ 0.50% · 4.625%
HK$105,165
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,266/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,777
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,560
−HK$2,823/mo
Today · 4.125%
HK$109,383
baseline
▲ 0.50% · 4.625%
HK$115,149
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,766/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,909 · Scale 2, in force from 26 Feb 2026)