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$51,776
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,637/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$58,371
+HK$3,348/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,600
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,145
−HK$1,567/mo
Today · 4.125%
HK$60,712
baseline
▲ 0.50% · 4.625%
HK$63,912
+HK$3,200/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,424/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,131
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,064
−HK$1,963/mo
Today · 4.125%
HK$66,027
baseline
▲ 0.50% · 4.625%
HK$70,045
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,054/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,120
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,974
−HK$1,880/mo
Today · 4.125%
HK$72,854
baseline
▲ 0.50% · 4.625%
HK$76,695
+HK$3,841/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,708/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,486
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,741
−HK$2,291/mo
Today · 4.125%
HK$77,032
baseline
▲ 0.50% · 4.625%
HK$81,719
+HK$4,687/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,064/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,640
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,803
−HK$2,194/mo
Today · 4.125%
HK$84,997
baseline
▲ 0.50% · 4.625%
HK$89,477
+HK$4,480/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,994/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,196
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,095
−HK$2,946/mo
Today · 4.125%
HK$99,041
baseline
▲ 0.50% · 4.625%
HK$105,067
+HK$6,026/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,082/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,680
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,461
−HK$2,821/mo
Today · 4.125%
HK$109,282
baseline
▲ 0.50% · 4.625%
HK$115,042
+HK$5,760/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,564/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,010 · Scale 2, in force from 26 Feb 2026)