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$51,748
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,357
−HK$1,636/mo
Today · 4.125%
HK$54,993
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$109,986/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,569
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,113
−HK$1,566/mo
Today · 4.125%
HK$60,679
baseline
▲ 0.50% · 4.625%
HK$63,877
+HK$3,198/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,358/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,097
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,029
−HK$1,962/mo
Today · 4.125%
HK$65,991
baseline
▲ 0.50% · 4.625%
HK$70,007
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$131,982/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,082
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,935
−HK$1,880/mo
Today · 4.125%
HK$72,815
baseline
▲ 0.50% · 4.625%
HK$76,653
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,630/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,447
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,700
−HK$2,290/mo
Today · 4.125%
HK$76,990
baseline
▲ 0.50% · 4.625%
HK$81,674
+HK$4,684/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$153,980/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,596
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,758
−HK$2,193/mo
Today · 4.125%
HK$84,951
baseline
▲ 0.50% · 4.625%
HK$89,428
+HK$4,477/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,902/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,146
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,043
−HK$2,944/mo
Today · 4.125%
HK$98,987
baseline
▲ 0.50% · 4.625%
HK$105,010
+HK$6,023/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$197,974/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,624
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,403
−HK$2,819/mo
Today · 4.125%
HK$109,222
baseline
▲ 0.50% · 4.625%
HK$114,979
+HK$5,757/mo
Deposit HK$2.27M · loan HK$20.42M · min. income ≈ HK$218,444/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,486 · Scale 2, in force from 26 Feb 2026)