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$51,989
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,606
−HK$1,643/mo
Today · 4.125%
HK$55,249
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,498/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,838
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,389
−HK$1,573/mo
Today · 4.125%
HK$60,962
baseline
▲ 0.50% · 4.625%
HK$64,176
+HK$3,214/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,924/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,387
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,971/mo
Today · 4.125%
HK$66,299
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,598/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,405
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,266
−HK$1,889/mo
Today · 4.125%
HK$73,155
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$3,856/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,310/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,785
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,049
−HK$2,300/mo
Today · 4.125%
HK$77,349
baseline
▲ 0.50% · 4.625%
HK$82,056
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,698/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,973
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,144
−HK$2,203/mo
Today · 4.125%
HK$85,347
baseline
▲ 0.50% · 4.625%
HK$89,846
+HK$4,499/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,694/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,581
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,492
−HK$2,957/mo
Today · 4.125%
HK$99,449
baseline
▲ 0.50% · 4.625%
HK$105,500
+HK$6,051/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,898/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,108
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,900
−HK$2,832/mo
Today · 4.125%
HK$109,732
baseline
▲ 0.50% · 4.625%
HK$115,516
+HK$5,784/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,464/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,990 · Scale 2, in force from 26 Feb 2026)