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$51,905
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,520
−HK$1,640/mo
Today · 4.125%
HK$55,160
baseline
▲ 0.50% · 4.625%
HK$58,516
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,320/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,744
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,293
−HK$1,571/mo
Today · 4.125%
HK$60,864
baseline
▲ 0.50% · 4.625%
HK$64,072
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,728/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,286
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,224
−HK$1,968/mo
Today · 4.125%
HK$66,192
baseline
▲ 0.50% · 4.625%
HK$70,220
+HK$4,028/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,384/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,293
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,151
−HK$1,885/mo
Today · 4.125%
HK$73,036
baseline
▲ 0.50% · 4.625%
HK$76,886
+HK$3,850/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,072/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,667
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,927
−HK$2,297/mo
Today · 4.125%
HK$77,224
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,699/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,448/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,841
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,199/mo
Today · 4.125%
HK$85,209
baseline
▲ 0.50% · 4.625%
HK$89,701
+HK$4,492/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,418/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,429
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,335
−HK$2,953/mo
Today · 4.125%
HK$99,288
baseline
▲ 0.50% · 4.625%
HK$105,329
+HK$6,041/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,576/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,939
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,727
−HK$2,828/mo
Today · 4.125%
HK$109,555
baseline
▲ 0.50% · 4.625%
HK$115,329
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,110/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,421 · Scale 2, in force from 26 Feb 2026)