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$51,902
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,516
−HK$1,640/mo
Today · 4.125%
HK$55,156
baseline
▲ 0.50% · 4.625%
HK$58,512
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,312/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,289
−HK$1,571/mo
Today · 4.125%
HK$60,860
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,720/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,282
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,219
−HK$1,969/mo
Today · 4.125%
HK$66,188
baseline
▲ 0.50% · 4.625%
HK$70,215
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$132,376/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,288
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,146
−HK$1,885/mo
Today · 4.125%
HK$73,031
baseline
▲ 0.50% · 4.625%
HK$76,881
+HK$3,850/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$146,062/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,662
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,922
−HK$2,297/mo
Today · 4.125%
HK$77,219
baseline
▲ 0.50% · 4.625%
HK$81,917
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,438/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,836
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,004
−HK$2,199/mo
Today · 4.125%
HK$85,203
baseline
▲ 0.50% · 4.625%
HK$89,694
+HK$4,491/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,406/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,423
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,329
−HK$2,952/mo
Today · 4.125%
HK$99,281
baseline
▲ 0.50% · 4.625%
HK$105,322
+HK$6,041/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,562/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,932
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,719
−HK$2,828/mo
Today · 4.125%
HK$109,547
baseline
▲ 0.50% · 4.625%
HK$115,321
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,094/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,355 · Scale 2, in force from 26 Feb 2026)