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$51,821
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,637/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$58,421
+HK$3,351/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$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,650
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,196
−HK$1,569/mo
Today · 4.125%
HK$60,765
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,530/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,185
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,965/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$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,180
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,035
−HK$1,882/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$76,761
+HK$3,844/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$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,549
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,806
−HK$2,292/mo
Today · 4.125%
HK$77,098
baseline
▲ 0.50% · 4.625%
HK$81,790
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,196/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,710
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,196/mo
Today · 4.125%
HK$85,070
baseline
▲ 0.50% · 4.625%
HK$89,555
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,140/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,277
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,179
−HK$2,947/mo
Today · 4.125%
HK$99,126
baseline
▲ 0.50% · 4.625%
HK$105,158
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,252/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,770
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,553
−HK$2,823/mo
Today · 4.125%
HK$109,376
baseline
▲ 0.50% · 4.625%
HK$115,142
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,752/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,846 · Scale 2, in force from 26 Feb 2026)