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$51,759
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,369
−HK$1,636/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$58,352
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,126
−HK$1,567/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$63,892
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,111
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,043
−HK$1,963/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$70,023
+HK$4,017/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,012/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,098
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$1,880/mo
Today · 4.125%
HK$72,831
baseline
▲ 0.50% · 4.625%
HK$76,670
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,662/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,717
−HK$2,290/mo
Today · 4.125%
HK$77,007
baseline
▲ 0.50% · 4.625%
HK$81,693
+HK$4,686/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,014/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,615
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,777
−HK$2,193/mo
Today · 4.125%
HK$84,970
baseline
▲ 0.50% · 4.625%
HK$89,449
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,940/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,167
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,065
−HK$2,944/mo
Today · 4.125%
HK$99,009
baseline
▲ 0.50% · 4.625%
HK$105,034
+HK$6,025/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,018/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,647
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,427
−HK$2,820/mo
Today · 4.125%
HK$109,247
baseline
▲ 0.50% · 4.625%
HK$115,006
+HK$5,759/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,494/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,707 · Scale 2, in force from 26 Feb 2026)