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$51,946
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,642/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,563
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,790
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,340
−HK$1,572/mo
Today · 4.125%
HK$60,912
baseline
▲ 0.50% · 4.625%
HK$64,123
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,824/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,335
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,970/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$70,275
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,348
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,207
−HK$1,887/mo
Today · 4.125%
HK$73,094
baseline
▲ 0.50% · 4.625%
HK$76,947
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,188/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,725
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$2,298/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,988
+HK$4,703/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,906
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,075
−HK$2,202/mo
Today · 4.125%
HK$85,277
baseline
▲ 0.50% · 4.625%
HK$89,772
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,554/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,503
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,412
−HK$2,955/mo
Today · 4.125%
HK$99,367
baseline
▲ 0.50% · 4.625%
HK$105,413
+HK$6,046/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,734/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,021
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,811
−HK$2,830/mo
Today · 4.125%
HK$109,641
baseline
▲ 0.50% · 4.625%
HK$115,421
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,282/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,188 · Scale 2, in force from 26 Feb 2026)