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$51,669
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,276
−HK$1,633/mo
Today · 4.125%
HK$54,909
baseline
▲ 0.50% · 4.625%
HK$58,250
+HK$3,341/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$109,818/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,481
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,564/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$63,780
+HK$3,193/mo
Deposit HK$11.33M · loan HK$11.33M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,003
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,931
−HK$1,960/mo
Today · 4.125%
HK$65,891
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$4,009/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$131,782/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,977
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,827
−HK$1,877/mo
Today · 4.125%
HK$72,704
baseline
▲ 0.50% · 4.625%
HK$76,536
+HK$3,832/mo
Deposit HK$9.06M · loan HK$13.60M · min. income ≈ HK$145,408/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$2,286/mo
Today · 4.125%
HK$76,873
baseline
▲ 0.50% · 4.625%
HK$81,550
+HK$4,677/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$153,746/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,474
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,632
−HK$2,189/mo
Today · 4.125%
HK$84,821
baseline
▲ 0.50% · 4.625%
HK$89,292
+HK$4,471/mo
Deposit HK$6.80M · loan HK$15.86M · min. income ≈ HK$169,642/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,004
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,897
−HK$2,939/mo
Today · 4.125%
HK$98,836
baseline
▲ 0.50% · 4.625%
HK$104,850
+HK$6,014/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$197,672/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,466
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,241
−HK$2,815/mo
Today · 4.125%
HK$109,056
baseline
▲ 0.50% · 4.625%
HK$114,804
+HK$5,748/mo
Deposit HK$2.27M · loan HK$20.39M · min. income ≈ HK$218,112/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$963,018 · Scale 2, in force from 26 Feb 2026)