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$51,966
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,642/mo
Today · 4.125%
HK$55,225
baseline
▲ 0.50% · 4.625%
HK$58,585
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,450/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,812
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,363
−HK$1,573/mo
Today · 4.125%
HK$60,936
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,872/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,360
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,299
−HK$1,971/mo
Today · 4.125%
HK$66,270
baseline
▲ 0.50% · 4.625%
HK$70,303
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$132,540/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,375
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,235
−HK$1,888/mo
Today · 4.125%
HK$73,123
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$3,854/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$146,246/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,753
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$2,299/mo
Today · 4.125%
HK$77,315
baseline
▲ 0.50% · 4.625%
HK$82,020
+HK$4,705/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,630/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,937
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,108
−HK$2,202/mo
Today · 4.125%
HK$85,310
baseline
▲ 0.50% · 4.625%
HK$89,806
+HK$4,496/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,620/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,540
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,449
−HK$2,956/mo
Today · 4.125%
HK$99,405
baseline
▲ 0.50% · 4.625%
HK$105,454
+HK$6,049/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,810/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,062
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,853
−HK$2,831/mo
Today · 4.125%
HK$109,684
baseline
▲ 0.50% · 4.625%
HK$115,465
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,368/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,563 · Scale 2, in force from 26 Feb 2026)