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$51,778
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,389
−HK$1,636/mo
Today · 4.125%
HK$55,025
baseline
▲ 0.50% · 4.625%
HK$58,373
+HK$3,348/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,050/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,602
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,568/mo
Today · 4.125%
HK$60,715
baseline
▲ 0.50% · 4.625%
HK$63,915
+HK$3,200/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,430/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,134
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,066
−HK$1,964/mo
Today · 4.125%
HK$66,030
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,060/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,123
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,977
−HK$1,880/mo
Today · 4.125%
HK$72,857
baseline
▲ 0.50% · 4.625%
HK$76,698
+HK$3,841/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,714/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,489
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,744
−HK$2,291/mo
Today · 4.125%
HK$77,035
baseline
▲ 0.50% · 4.625%
HK$81,722
+HK$4,687/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,070/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,643
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,806
−HK$2,194/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$89,481
+HK$4,481/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,200
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,099
−HK$2,946/mo
Today · 4.125%
HK$99,045
baseline
▲ 0.50% · 4.625%
HK$105,071
+HK$6,026/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,090/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,684
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,465
−HK$2,821/mo
Today · 4.125%
HK$109,286
baseline
▲ 0.50% · 4.625%
HK$115,047
+HK$5,761/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,572/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,052 · Scale 2, in force from 26 Feb 2026)