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$51,982
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,643/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,604
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,830
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,573/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,167
+HK$3,213/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,379
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,972/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,396
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,257
−HK$1,888/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,001
+HK$3,856/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,775
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,039
−HK$2,300/mo
Today · 4.125%
HK$77,339
baseline
▲ 0.50% · 4.625%
HK$82,045
+HK$4,706/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,678/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,962
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,133
−HK$2,203/mo
Today · 4.125%
HK$85,336
baseline
▲ 0.50% · 4.625%
HK$89,834
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,672/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,568
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,479
−HK$2,957/mo
Today · 4.125%
HK$99,436
baseline
▲ 0.50% · 4.625%
HK$105,486
+HK$6,050/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,872/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,094
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,886
−HK$2,832/mo
Today · 4.125%
HK$109,718
baseline
▲ 0.50% · 4.625%
HK$115,501
+HK$5,783/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,436/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,863 · Scale 2, in force from 26 Feb 2026)