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$51,780
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,391
−HK$1,636/mo
Today · 4.125%
HK$55,027
baseline
▲ 0.50% · 4.625%
HK$58,376
+HK$3,349/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,054/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,605
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,150
−HK$1,567/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$63,918
+HK$3,201/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,136
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,964/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$1,881/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$76,701
+HK$3,840/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,492
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,747
−HK$2,291/mo
Today · 4.125%
HK$77,038
baseline
▲ 0.50% · 4.625%
HK$81,726
+HK$4,688/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,076/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,647
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,810
−HK$2,194/mo
Today · 4.125%
HK$85,004
baseline
▲ 0.50% · 4.625%
HK$89,485
+HK$4,481/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,008/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,204
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,104
−HK$2,945/mo
Today · 4.125%
HK$99,049
baseline
▲ 0.50% · 4.625%
HK$105,076
+HK$6,027/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,098/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,689
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,470
−HK$2,821/mo
Today · 4.125%
HK$109,291
baseline
▲ 0.50% · 4.625%
HK$115,052
+HK$5,761/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,582/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,093 · Scale 2, in force from 26 Feb 2026)