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$51,817
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,429
−HK$1,638/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$58,418
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,646
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,192
−HK$1,569/mo
Today · 4.125%
HK$60,761
baseline
▲ 0.50% · 4.625%
HK$63,964
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,522/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,181
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,115
−HK$1,965/mo
Today · 4.125%
HK$66,080
baseline
▲ 0.50% · 4.625%
HK$70,101
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,160/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,176
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$1,882/mo
Today · 4.125%
HK$72,913
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,826/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,544
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,801
−HK$2,293/mo
Today · 4.125%
HK$77,094
baseline
▲ 0.50% · 4.625%
HK$81,785
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,188/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,705
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,869
−HK$2,196/mo
Today · 4.125%
HK$85,065
baseline
▲ 0.50% · 4.625%
HK$89,549
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,130/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,271
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,173
−HK$2,947/mo
Today · 4.125%
HK$99,120
baseline
▲ 0.50% · 4.625%
HK$105,152
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,240/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,764
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,546
−HK$2,824/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$115,135
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,788 · Scale 2, in force from 26 Feb 2026)