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$51,951
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,642/mo
Today · 4.125%
HK$55,209
baseline
▲ 0.50% · 4.625%
HK$58,568
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,418/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,795
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,572/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,341
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,970/mo
Today · 4.125%
HK$66,250
baseline
▲ 0.50% · 4.625%
HK$70,282
+HK$4,032/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,500/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,354
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,214
−HK$1,887/mo
Today · 4.125%
HK$73,101
baseline
▲ 0.50% · 4.625%
HK$76,954
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,202/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,731
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,994
−HK$2,298/mo
Today · 4.125%
HK$77,292
baseline
▲ 0.50% · 4.625%
HK$81,995
+HK$4,703/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,584/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,913
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,083
−HK$2,201/mo
Today · 4.125%
HK$85,284
baseline
▲ 0.50% · 4.625%
HK$89,780
+HK$4,496/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,568/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,512
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,420
−HK$2,956/mo
Today · 4.125%
HK$99,376
baseline
▲ 0.50% · 4.625%
HK$105,422
+HK$6,046/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,752/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,031
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,821
−HK$2,830/mo
Today · 4.125%
HK$109,651
baseline
▲ 0.50% · 4.625%
HK$115,431
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,302/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,275 · Scale 2, in force from 26 Feb 2026)