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$51,959
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,642/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,354
−HK$1,573/mo
Today · 4.125%
HK$60,927
baseline
▲ 0.50% · 4.625%
HK$64,138
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,854/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,351
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,971/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$70,292
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,364
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,225
−HK$1,887/mo
Today · 4.125%
HK$73,112
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,224/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,742
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,005
−HK$2,299/mo
Today · 4.125%
HK$77,304
baseline
▲ 0.50% · 4.625%
HK$82,008
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,608/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,925
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,096
−HK$2,201/mo
Today · 4.125%
HK$85,297
baseline
▲ 0.50% · 4.625%
HK$89,794
+HK$4,497/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,594/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,526
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,435
−HK$2,956/mo
Today · 4.125%
HK$99,391
baseline
▲ 0.50% · 4.625%
HK$105,439
+HK$6,048/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,782/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,047
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,837
−HK$2,831/mo
Today · 4.125%
HK$109,668
baseline
▲ 0.50% · 4.625%
HK$115,449
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,336/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,423 · Scale 2, in force from 26 Feb 2026)