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$51,792
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,637/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$58,389
+HK$3,349/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,618
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,163
−HK$1,568/mo
Today · 4.125%
HK$60,731
baseline
▲ 0.50% · 4.625%
HK$63,932
+HK$3,201/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,462/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,150
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,964/mo
Today · 4.125%
HK$66,048
baseline
▲ 0.50% · 4.625%
HK$70,067
+HK$4,019/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,096/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$1,881/mo
Today · 4.125%
HK$72,877
baseline
▲ 0.50% · 4.625%
HK$76,719
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,754/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,509
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,764
−HK$2,292/mo
Today · 4.125%
HK$77,056
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,688/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,112/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,665
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,194/mo
Today · 4.125%
HK$85,023
baseline
▲ 0.50% · 4.625%
HK$89,505
+HK$4,482/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,046/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,226
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,125
−HK$2,947/mo
Today · 4.125%
HK$99,072
baseline
▲ 0.50% · 4.625%
HK$105,100
+HK$6,028/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,144/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,712
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,494
−HK$2,822/mo
Today · 4.125%
HK$109,316
baseline
▲ 0.50% · 4.625%
HK$115,078
+HK$5,762/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,632/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,312 · Scale 2, in force from 26 Feb 2026)