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$51,979
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,643/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,600
+HK$3,361/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,826
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,377
−HK$1,574/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,163
+HK$3,212/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,375
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,315
−HK$1,972/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$70,320
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,392
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,253
−HK$1,888/mo
Today · 4.125%
HK$73,141
baseline
▲ 0.50% · 4.625%
HK$76,996
+HK$3,855/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,282/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,771
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$2,300/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$82,040
+HK$4,706/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,957
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,128
−HK$2,203/mo
Today · 4.125%
HK$85,331
baseline
▲ 0.50% · 4.625%
HK$89,829
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,662/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,563
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,473
−HK$2,957/mo
Today · 4.125%
HK$99,430
baseline
▲ 0.50% · 4.625%
HK$105,480
+HK$6,050/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,860/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,087
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,879
−HK$2,832/mo
Today · 4.125%
HK$109,711
baseline
▲ 0.50% · 4.625%
HK$115,494
+HK$5,783/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,422/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,802 · Scale 2, in force from 26 Feb 2026)