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$51,943
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,559
−HK$1,641/mo
Today · 4.125%
HK$55,200
baseline
▲ 0.50% · 4.625%
HK$58,559
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,400/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,336
−HK$1,572/mo
Today · 4.125%
HK$60,908
baseline
▲ 0.50% · 4.625%
HK$64,119
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,816/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,332
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,970/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$70,271
+HK$4,030/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$1,887/mo
Today · 4.125%
HK$73,090
baseline
▲ 0.50% · 4.625%
HK$76,943
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,180/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,720
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,982
−HK$2,299/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,901
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,071
−HK$2,201/mo
Today · 4.125%
HK$85,272
baseline
▲ 0.50% · 4.625%
HK$89,766
+HK$4,494/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,544/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,498
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,406
−HK$2,955/mo
Today · 4.125%
HK$99,361
baseline
▲ 0.50% · 4.625%
HK$105,407
+HK$6,046/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,722/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,015
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,805
−HK$2,830/mo
Today · 4.125%
HK$109,635
baseline
▲ 0.50% · 4.625%
HK$115,414
+HK$5,779/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,270/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,131 · Scale 2, in force from 26 Feb 2026)