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$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,654
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,200
−HK$1,569/mo
Today · 4.125%
HK$60,769
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,538/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,189
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,124
−HK$1,965/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$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,185
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,040
−HK$1,883/mo
Today · 4.125%
HK$72,923
baseline
▲ 0.50% · 4.625%
HK$76,766
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,846/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,811
−HK$2,293/mo
Today · 4.125%
HK$77,104
baseline
▲ 0.50% · 4.625%
HK$81,795
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,208/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,716
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,880
−HK$2,196/mo
Today · 4.125%
HK$85,076
baseline
▲ 0.50% · 4.625%
HK$89,561
+HK$4,485/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$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,284
−HK$5,849/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$965,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,777
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,560
−HK$2,824/mo
Today · 4.125%
HK$109,384
baseline
▲ 0.50% · 4.625%
HK$115,150
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,768/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,915 · Scale 2, in force from 26 Feb 2026)