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$51,803
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,415
−HK$1,637/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$58,402
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,631
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,176
−HK$1,568/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$63,946
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,164
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,098
−HK$1,964/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,157
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,012
−HK$1,881/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,525
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$2,292/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,762
+HK$4,689/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,683
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,195/mo
Today · 4.125%
HK$85,042
baseline
▲ 0.50% · 4.625%
HK$89,525
+HK$4,483/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,084/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,246
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,147
−HK$2,946/mo
Today · 4.125%
HK$99,093
baseline
▲ 0.50% · 4.625%
HK$105,123
+HK$6,030/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,186/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,735
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,517
−HK$2,823/mo
Today · 4.125%
HK$109,340
baseline
▲ 0.50% · 4.625%
HK$115,103
+HK$5,763/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,680/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,524 · Scale 2, in force from 26 Feb 2026)