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$51,968
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,585
−HK$1,642/mo
Today · 4.125%
HK$55,227
baseline
▲ 0.50% · 4.625%
HK$58,587
+HK$3,360/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,454/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,814
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,364
−HK$1,573/mo
Today · 4.125%
HK$60,937
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,874/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,362
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,301
−HK$1,971/mo
Today · 4.125%
HK$66,272
baseline
▲ 0.50% · 4.625%
HK$70,305
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$132,544/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,377
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,237
−HK$1,888/mo
Today · 4.125%
HK$73,125
baseline
▲ 0.50% · 4.625%
HK$76,979
+HK$3,854/mo
Deposit HK$9.12M · loan HK$13.67M · min. income ≈ HK$146,250/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$2,300/mo
Today · 4.125%
HK$77,318
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,636/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,940
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,202/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$89,809
+HK$4,497/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,543
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,452
−HK$2,956/mo
Today · 4.125%
HK$99,408
baseline
▲ 0.50% · 4.625%
HK$105,457
+HK$6,049/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,816/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,065
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,856
−HK$2,831/mo
Today · 4.125%
HK$109,687
baseline
▲ 0.50% · 4.625%
HK$115,469
+HK$5,782/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,374/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,594 · Scale 2, in force from 26 Feb 2026)