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$51,752
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,636/mo
Today · 4.125%
HK$54,998
baseline
▲ 0.50% · 4.625%
HK$58,344
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,996/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,574
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,118
−HK$1,566/mo
Today · 4.125%
HK$60,684
baseline
▲ 0.50% · 4.625%
HK$63,883
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,368/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,103
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,963/mo
Today · 4.125%
HK$65,997
baseline
▲ 0.50% · 4.625%
HK$70,013
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,994/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,089
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,941
−HK$1,880/mo
Today · 4.125%
HK$72,821
baseline
▲ 0.50% · 4.625%
HK$76,660
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,642/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,453
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,707
−HK$2,290/mo
Today · 4.125%
HK$76,997
baseline
▲ 0.50% · 4.625%
HK$81,682
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,994/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,603
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,765
−HK$2,193/mo
Today · 4.125%
HK$84,958
baseline
▲ 0.50% · 4.625%
HK$89,436
+HK$4,478/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,916/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,154
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,052
−HK$2,944/mo
Today · 4.125%
HK$98,996
baseline
▲ 0.50% · 4.625%
HK$105,019
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$197,992/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,633
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,412
−HK$2,820/mo
Today · 4.125%
HK$109,232
baseline
▲ 0.50% · 4.625%
HK$114,990
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,464/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,571 · Scale 2, in force from 26 Feb 2026)