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$51,926
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,541
−HK$1,642/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,540
+HK$3,357/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,317
−HK$1,571/mo
Today · 4.125%
HK$60,888
baseline
▲ 0.50% · 4.625%
HK$64,098
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,776/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,312
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,969/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$70,248
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,321
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,180
−HK$1,886/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$76,918
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,697
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,958
−HK$2,298/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,700/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,874
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,043
−HK$2,201/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$89,737
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,467
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,375
−HK$2,954/mo
Today · 4.125%
HK$99,329
baseline
▲ 0.50% · 4.625%
HK$105,372
+HK$6,043/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,658/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,981
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,770
−HK$2,829/mo
Today · 4.125%
HK$109,599
baseline
▲ 0.50% · 4.625%
HK$115,376
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,198/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,816 · Scale 2, in force from 26 Feb 2026)