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$51,992
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,643/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$3,362/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,841
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,392
−HK$1,574/mo
Today · 4.125%
HK$60,966
baseline
▲ 0.50% · 4.625%
HK$64,180
+HK$3,214/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,932/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,391
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,332
−HK$1,971/mo
Today · 4.125%
HK$66,303
baseline
▲ 0.50% · 4.625%
HK$70,338
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,606/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,409
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,271
−HK$1,888/mo
Today · 4.125%
HK$73,159
baseline
▲ 0.50% · 4.625%
HK$77,016
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,318/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,789
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,054
−HK$2,300/mo
Today · 4.125%
HK$77,354
baseline
▲ 0.50% · 4.625%
HK$82,061
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,708/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,977
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,149
−HK$2,203/mo
Today · 4.125%
HK$85,352
baseline
▲ 0.50% · 4.625%
HK$89,852
+HK$4,500/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,704/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,586
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,497
−HK$2,958/mo
Today · 4.125%
HK$99,455
baseline
▲ 0.50% · 4.625%
HK$105,507
+HK$6,052/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,910/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,114
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,906
−HK$2,833/mo
Today · 4.125%
HK$109,739
baseline
▲ 0.50% · 4.625%
HK$115,523
+HK$5,784/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,478/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,049 · Scale 2, in force from 26 Feb 2026)