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$51,994
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,611
−HK$1,643/mo
Today · 4.125%
HK$55,254
baseline
▲ 0.50% · 4.625%
HK$58,616
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,508/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,843
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,394
−HK$1,574/mo
Today · 4.125%
HK$60,968
baseline
▲ 0.50% · 4.625%
HK$64,181
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,936/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,392
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,333
−HK$1,972/mo
Today · 4.125%
HK$66,305
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,610/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,411
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,273
−HK$1,888/mo
Today · 4.125%
HK$73,161
baseline
▲ 0.50% · 4.625%
HK$77,018
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,322/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,791
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,055
−HK$2,301/mo
Today · 4.125%
HK$77,356
baseline
▲ 0.50% · 4.625%
HK$82,063
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,712/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,980
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,151
−HK$2,204/mo
Today · 4.125%
HK$85,355
baseline
▲ 0.50% · 4.625%
HK$89,854
+HK$4,499/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,710/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,589
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,500
−HK$2,958/mo
Today · 4.125%
HK$99,458
baseline
▲ 0.50% · 4.625%
HK$105,509
+HK$6,051/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,916/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,117
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,909
−HK$2,833/mo
Today · 4.125%
HK$109,742
baseline
▲ 0.50% · 4.625%
HK$115,526
+HK$5,784/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,484/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,073 · Scale 2, in force from 26 Feb 2026)