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$51,942
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,558
−HK$1,641/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,558
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,335
−HK$1,572/mo
Today · 4.125%
HK$60,907
baseline
▲ 0.50% · 4.625%
HK$64,118
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,814/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,269
−HK$1,970/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$70,270
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,342
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,202
−HK$1,887/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$76,941
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,719
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,981
−HK$2,298/mo
Today · 4.125%
HK$77,279
baseline
▲ 0.50% · 4.625%
HK$81,981
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,558/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,899
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,069
−HK$2,201/mo
Today · 4.125%
HK$85,270
baseline
▲ 0.50% · 4.625%
HK$89,765
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,540/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,496
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,404
−HK$2,955/mo
Today · 4.125%
HK$99,359
baseline
▲ 0.50% · 4.625%
HK$105,405
+HK$6,046/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,718/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,013
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,803
−HK$2,830/mo
Today · 4.125%
HK$109,633
baseline
▲ 0.50% · 4.625%
HK$115,412
+HK$5,779/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,266/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,113 · Scale 2, in force from 26 Feb 2026)