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$51,808
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,419
−HK$1,638/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$58,407
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,636
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,181
−HK$1,569/mo
Today · 4.125%
HK$60,750
baseline
▲ 0.50% · 4.625%
HK$63,952
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,500/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,169
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,965/mo
Today · 4.125%
HK$66,068
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,136/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,163
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,018
−HK$1,882/mo
Today · 4.125%
HK$72,900
baseline
▲ 0.50% · 4.625%
HK$76,742
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,800/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,531
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,787
−HK$2,292/mo
Today · 4.125%
HK$77,079
baseline
▲ 0.50% · 4.625%
HK$81,769
+HK$4,690/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,158/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,690
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,854
−HK$2,195/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$89,533
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,254
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,155
−HK$2,947/mo
Today · 4.125%
HK$99,102
baseline
▲ 0.50% · 4.625%
HK$105,132
+HK$6,030/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,204/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,744
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,527
−HK$2,822/mo
Today · 4.125%
HK$109,349
baseline
▲ 0.50% · 4.625%
HK$115,113
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,698/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,609 · Scale 2, in force from 26 Feb 2026)