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$51,980
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,597
−HK$1,642/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,601
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,827
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,573/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,376
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,971/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$4,034/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,392
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,253
−HK$1,888/mo
Today · 4.125%
HK$73,141
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$3,856/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,282/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,772
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,035
−HK$2,300/mo
Today · 4.125%
HK$77,335
baseline
▲ 0.50% · 4.625%
HK$82,041
+HK$4,706/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,670/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,958
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,129
−HK$2,203/mo
Today · 4.125%
HK$85,332
baseline
▲ 0.50% · 4.625%
HK$89,830
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,664/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,564
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,474
−HK$2,957/mo
Today · 4.125%
HK$99,431
baseline
▲ 0.50% · 4.625%
HK$105,481
+HK$6,050/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,862/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,089
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,880
−HK$2,832/mo
Today · 4.125%
HK$109,712
baseline
▲ 0.50% · 4.625%
HK$115,495
+HK$5,783/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,424/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,813 · Scale 2, in force from 26 Feb 2026)