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$51,893
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,640/mo
Today · 4.125%
HK$55,147
baseline
▲ 0.50% · 4.625%
HK$58,503
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,294/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,731
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,279
−HK$1,571/mo
Today · 4.125%
HK$60,850
baseline
▲ 0.50% · 4.625%
HK$64,057
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,700/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,272
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,209
−HK$1,968/mo
Today · 4.125%
HK$66,177
baseline
▲ 0.50% · 4.625%
HK$70,204
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,354/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,277
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,135
−HK$1,885/mo
Today · 4.125%
HK$73,020
baseline
▲ 0.50% · 4.625%
HK$76,869
+HK$3,849/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,040/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,651
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,910
−HK$2,296/mo
Today · 4.125%
HK$77,206
baseline
▲ 0.50% · 4.625%
HK$81,904
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,412/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,823
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,991
−HK$2,199/mo
Today · 4.125%
HK$85,190
baseline
▲ 0.50% · 4.625%
HK$89,680
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,380/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,408
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,313
−HK$2,952/mo
Today · 4.125%
HK$99,265
baseline
▲ 0.50% · 4.625%
HK$105,305
+HK$6,040/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,530/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,915
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,702
−HK$2,828/mo
Today · 4.125%
HK$109,530
baseline
▲ 0.50% · 4.625%
HK$115,303
+HK$5,773/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,060/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,200 · Scale 2, in force from 26 Feb 2026)