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$52,002
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,643/mo
Today · 4.125%
HK$55,263
baseline
▲ 0.50% · 4.625%
HK$58,626
+HK$3,363/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,526/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,852
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,574/mo
Today · 4.125%
HK$60,978
baseline
▲ 0.50% · 4.625%
HK$64,192
+HK$3,214/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,956/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,403
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,344
−HK$1,972/mo
Today · 4.125%
HK$66,316
baseline
▲ 0.50% · 4.625%
HK$70,351
+HK$4,035/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,632/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,422
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,284
−HK$1,889/mo
Today · 4.125%
HK$73,173
baseline
▲ 0.50% · 4.625%
HK$77,030
+HK$3,857/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,346/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,803
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,068
−HK$2,301/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$82,076
+HK$4,707/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,204/mo
Today · 4.125%
HK$85,369
baseline
▲ 0.50% · 4.625%
HK$89,868
+HK$4,499/mo
Deposit HK$6.84M · loan HK$15.96M · min. income ≈ HK$170,738/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,604
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,516
−HK$2,958/mo
Today · 4.125%
HK$99,474
baseline
▲ 0.50% · 4.625%
HK$105,527
+HK$6,053/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$198,948/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,134
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,926
−HK$2,834/mo
Today · 4.125%
HK$109,760
baseline
▲ 0.50% · 4.625%
HK$115,545
+HK$5,785/mo
Deposit HK$2.28M · loan HK$20.52M · min. income ≈ HK$219,520/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$969,231 · Scale 2, in force from 26 Feb 2026)