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$51,965
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,582
−HK$1,642/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,811
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,361
−HK$1,573/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,146
+HK$3,212/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,358
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,971/mo
Today · 4.125%
HK$66,269
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$4,032/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$132,538/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,234
−HK$1,887/mo
Today · 4.125%
HK$73,121
baseline
▲ 0.50% · 4.625%
HK$76,975
+HK$3,854/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$146,242/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,752
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,015
−HK$2,299/mo
Today · 4.125%
HK$77,314
baseline
▲ 0.50% · 4.625%
HK$82,018
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,628/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,935
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,106
−HK$2,202/mo
Today · 4.125%
HK$85,308
baseline
▲ 0.50% · 4.625%
HK$89,805
+HK$4,497/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,616/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,538
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,447
−HK$2,956/mo
Today · 4.125%
HK$99,403
baseline
▲ 0.50% · 4.625%
HK$105,452
+HK$6,049/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,806/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,060
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,851
−HK$2,831/mo
Today · 4.125%
HK$109,682
baseline
▲ 0.50% · 4.625%
HK$115,463
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,364/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,544 · Scale 2, in force from 26 Feb 2026)