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$52,035
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,645/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,663
+HK$3,364/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,889
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,441
−HK$1,575/mo
Today · 4.125%
HK$61,016
baseline
▲ 0.50% · 4.625%
HK$64,233
+HK$3,217/mo
Deposit HK$11.41M · loan HK$11.41M · min. income ≈ HK$122,032/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,443
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,385
−HK$1,973/mo
Today · 4.125%
HK$66,358
baseline
▲ 0.50% · 4.625%
HK$70,396
+HK$4,038/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$132,716/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,467
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,330
−HK$1,890/mo
Today · 4.125%
HK$73,220
baseline
▲ 0.50% · 4.625%
HK$77,079
+HK$3,859/mo
Deposit HK$9.13M · loan HK$13.69M · min. income ≈ HK$146,440/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,850
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,116
−HK$2,302/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$82,129
+HK$4,711/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,044
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,218
−HK$2,205/mo
Today · 4.125%
HK$85,423
baseline
▲ 0.50% · 4.625%
HK$89,926
+HK$4,503/mo
Deposit HK$6.85M · loan HK$15.97M · min. income ≈ HK$170,846/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,664
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,577
−HK$2,960/mo
Today · 4.125%
HK$99,537
baseline
▲ 0.50% · 4.625%
HK$105,594
+HK$6,057/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$199,074/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,200
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,995
−HK$2,835/mo
Today · 4.125%
HK$109,830
baseline
▲ 0.50% · 4.625%
HK$115,619
+HK$5,789/mo
Deposit HK$2.28M · loan HK$20.54M · min. income ≈ HK$219,660/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,850 · Scale 2, in force from 26 Feb 2026)