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$51,809
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,420
−HK$1,637/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,637
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,182
−HK$1,568/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,170
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,104
−HK$1,965/mo
Today · 4.125%
HK$66,069
baseline
▲ 0.50% · 4.625%
HK$70,089
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,138/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,164
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,019
−HK$1,882/mo
Today · 4.125%
HK$72,901
baseline
▲ 0.50% · 4.625%
HK$76,743
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,802/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,532
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,788
−HK$2,292/mo
Today · 4.125%
HK$77,080
baseline
▲ 0.50% · 4.625%
HK$81,771
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,160/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,691
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,855
−HK$2,196/mo
Today · 4.125%
HK$85,051
baseline
▲ 0.50% · 4.625%
HK$89,534
+HK$4,483/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,102/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,255
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,156
−HK$2,947/mo
Today · 4.125%
HK$99,103
baseline
▲ 0.50% · 4.625%
HK$105,134
+HK$6,031/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,206/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,746
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,528
−HK$2,823/mo
Today · 4.125%
HK$109,351
baseline
▲ 0.50% · 4.625%
HK$115,115
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,702/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,622 · Scale 2, in force from 26 Feb 2026)