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$51,802
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,413
−HK$1,637/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$58,400
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,629
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,175
−HK$1,568/mo
Today · 4.125%
HK$60,743
baseline
▲ 0.50% · 4.625%
HK$63,944
+HK$3,201/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,486/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,162
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,964/mo
Today · 4.125%
HK$66,060
baseline
▲ 0.50% · 4.625%
HK$70,080
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,120/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,155
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,010
−HK$1,881/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$76,733
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,523
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$2,292/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,760
+HK$4,690/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,681
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,844
−HK$2,196/mo
Today · 4.125%
HK$85,040
baseline
▲ 0.50% · 4.625%
HK$89,522
+HK$4,482/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,080/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,243
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,144
−HK$2,947/mo
Today · 4.125%
HK$99,091
baseline
▲ 0.50% · 4.625%
HK$105,120
+HK$6,029/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,182/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,732
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,514
−HK$2,823/mo
Today · 4.125%
HK$109,337
baseline
▲ 0.50% · 4.625%
HK$115,100
+HK$5,763/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,674/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,497 · Scale 2, in force from 26 Feb 2026)