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$51,796
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,408
−HK$1,637/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$58,394
+HK$3,349/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,623
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,168
−HK$1,568/mo
Today · 4.125%
HK$60,736
baseline
▲ 0.50% · 4.625%
HK$63,938
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,472/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,156
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,089
−HK$1,964/mo
Today · 4.125%
HK$66,053
baseline
▲ 0.50% · 4.625%
HK$70,073
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,106/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,148
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$71,002
−HK$1,881/mo
Today · 4.125%
HK$72,883
baseline
▲ 0.50% · 4.625%
HK$76,725
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,766/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,515
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,771
−HK$2,291/mo
Today · 4.125%
HK$77,062
baseline
▲ 0.50% · 4.625%
HK$81,751
+HK$4,689/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,124/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,672
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,836
−HK$2,195/mo
Today · 4.125%
HK$85,031
baseline
▲ 0.50% · 4.625%
HK$89,513
+HK$4,482/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,062/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,234
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,134
−HK$2,946/mo
Today · 4.125%
HK$99,080
baseline
▲ 0.50% · 4.625%
HK$105,109
+HK$6,029/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,160/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,721
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,503
−HK$2,822/mo
Today · 4.125%
HK$109,325
baseline
▲ 0.50% · 4.625%
HK$115,088
+HK$5,763/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,650/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,396 · Scale 2, in force from 26 Feb 2026)