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$51,952
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,568
−HK$1,642/mo
Today · 4.125%
HK$55,210
baseline
▲ 0.50% · 4.625%
HK$58,570
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,420/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,796
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,347
−HK$1,572/mo
Today · 4.125%
HK$60,919
baseline
▲ 0.50% · 4.625%
HK$64,130
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,838/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,343
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,282
−HK$1,970/mo
Today · 4.125%
HK$66,252
baseline
▲ 0.50% · 4.625%
HK$70,284
+HK$4,032/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,504/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,356
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,216
−HK$1,887/mo
Today · 4.125%
HK$73,103
baseline
▲ 0.50% · 4.625%
HK$76,956
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,206/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,733
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,996
−HK$2,298/mo
Today · 4.125%
HK$77,294
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,703/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,588/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,915
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,085
−HK$2,202/mo
Today · 4.125%
HK$85,287
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$4,495/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,574/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,514
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,955/mo
Today · 4.125%
HK$99,378
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,756/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,034
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,824
−HK$2,830/mo
Today · 4.125%
HK$109,654
baseline
▲ 0.50% · 4.625%
HK$115,434
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,308/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,302 · Scale 2, in force from 26 Feb 2026)