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$51,811
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,423
−HK$1,637/mo
Today · 4.125%
HK$55,060
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,120/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,639
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,185
−HK$1,568/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$63,956
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,173
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,107
−HK$1,965/mo
Today · 4.125%
HK$66,072
baseline
▲ 0.50% · 4.625%
HK$70,092
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,144/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,167
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,022
−HK$1,882/mo
Today · 4.125%
HK$72,904
baseline
▲ 0.50% · 4.625%
HK$76,747
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,808/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,535
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,792
−HK$2,292/mo
Today · 4.125%
HK$77,084
baseline
▲ 0.50% · 4.625%
HK$81,774
+HK$4,690/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,168/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,695
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,859
−HK$2,196/mo
Today · 4.125%
HK$85,055
baseline
▲ 0.50% · 4.625%
HK$89,538
+HK$4,483/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,110/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,260
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,161
−HK$2,947/mo
Today · 4.125%
HK$99,108
baseline
▲ 0.50% · 4.625%
HK$105,138
+HK$6,030/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,216/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,751
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,533
−HK$2,823/mo
Today · 4.125%
HK$109,356
baseline
▲ 0.50% · 4.625%
HK$115,120
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,712/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,667 · Scale 2, in force from 26 Feb 2026)