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$51,823
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,435
−HK$1,638/mo
Today · 4.125%
HK$55,073
baseline
▲ 0.50% · 4.625%
HK$58,424
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,146/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,653
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,569/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,203/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$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,188
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,122
−HK$1,966/mo
Today · 4.125%
HK$66,088
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,176/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,183
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,039
−HK$1,882/mo
Today · 4.125%
HK$72,921
baseline
▲ 0.50% · 4.625%
HK$76,765
+HK$3,844/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,842/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,552
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,809
−HK$2,293/mo
Today · 4.125%
HK$77,102
baseline
▲ 0.50% · 4.625%
HK$81,794
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,204/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,714
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,879
−HK$2,196/mo
Today · 4.125%
HK$85,075
baseline
▲ 0.50% · 4.625%
HK$89,559
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,150/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,282
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,183
−HK$2,948/mo
Today · 4.125%
HK$99,131
baseline
▲ 0.50% · 4.625%
HK$105,163
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,262/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,775
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,558
−HK$2,824/mo
Today · 4.125%
HK$109,382
baseline
▲ 0.50% · 4.625%
HK$115,147
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,764/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,894 · Scale 2, in force from 26 Feb 2026)