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$51,832
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,638/mo
Today · 4.125%
HK$55,082
baseline
▲ 0.50% · 4.625%
HK$58,433
+HK$3,351/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,164/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,662
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,209
−HK$1,568/mo
Today · 4.125%
HK$60,777
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,554/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,198
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,133
−HK$1,965/mo
Today · 4.125%
HK$66,098
baseline
▲ 0.50% · 4.625%
HK$70,120
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,196/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,194
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,050
−HK$1,883/mo
Today · 4.125%
HK$72,933
baseline
▲ 0.50% · 4.625%
HK$76,777
+HK$3,844/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,866/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,564
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,821
−HK$2,294/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,807
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,727
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,892
−HK$2,196/mo
Today · 4.125%
HK$85,088
baseline
▲ 0.50% · 4.625%
HK$89,573
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,176/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,297
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,199
−HK$2,948/mo
Today · 4.125%
HK$99,147
baseline
▲ 0.50% · 4.625%
HK$105,180
+HK$6,033/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,294/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,792
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,575
−HK$2,824/mo
Today · 4.125%
HK$109,399
baseline
▲ 0.50% · 4.625%
HK$115,166
+HK$5,767/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,798/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,050 · Scale 2, in force from 26 Feb 2026)