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$51,977
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,593
−HK$1,643/mo
Today · 4.125%
HK$55,236
baseline
▲ 0.50% · 4.625%
HK$58,597
+HK$3,361/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,472/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,823
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,374
−HK$1,573/mo
Today · 4.125%
HK$60,947
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,894/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,372
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,971/mo
Today · 4.125%
HK$66,283
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,566/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,388
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,249
−HK$1,888/mo
Today · 4.125%
HK$73,137
baseline
▲ 0.50% · 4.625%
HK$76,992
+HK$3,855/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,274/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,767
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,031
−HK$2,299/mo
Today · 4.125%
HK$77,330
baseline
▲ 0.50% · 4.625%
HK$82,036
+HK$4,706/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,660/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,953
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,124
−HK$2,202/mo
Today · 4.125%
HK$85,326
baseline
▲ 0.50% · 4.625%
HK$89,824
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,652/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,558
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,468
−HK$2,957/mo
Today · 4.125%
HK$99,425
baseline
▲ 0.50% · 4.625%
HK$105,475
+HK$6,050/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,850/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,082
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,874
−HK$2,831/mo
Today · 4.125%
HK$109,705
baseline
▲ 0.50% · 4.625%
HK$115,488
+HK$5,783/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,410/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,753 · Scale 2, in force from 26 Feb 2026)