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$51,820
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,432
−HK$1,638/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$58,420
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,649
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,195
−HK$1,569/mo
Today · 4.125%
HK$60,764
baseline
▲ 0.50% · 4.625%
HK$63,967
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,528/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,184
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,118
−HK$1,966/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,179
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,034
−HK$1,883/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$76,760
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,834/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,548
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,805
−HK$2,292/mo
Today · 4.125%
HK$77,097
baseline
▲ 0.50% · 4.625%
HK$81,789
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,194/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,709
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,195/mo
Today · 4.125%
HK$85,069
baseline
▲ 0.50% · 4.625%
HK$89,554
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,138/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,177
−HK$2,948/mo
Today · 4.125%
HK$99,125
baseline
▲ 0.50% · 4.625%
HK$105,157
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,250/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,769
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,552
−HK$2,823/mo
Today · 4.125%
HK$109,375
baseline
▲ 0.50% · 4.625%
HK$115,140
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,750/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,835 · Scale 2, in force from 26 Feb 2026)