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$51,897
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,511
−HK$1,641/mo
Today · 4.125%
HK$55,152
baseline
▲ 0.50% · 4.625%
HK$58,507
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,304/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,735
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,283
−HK$1,571/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,277
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,214
−HK$1,968/mo
Today · 4.125%
HK$66,182
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$132,364/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,282
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,140
−HK$1,885/mo
Today · 4.125%
HK$73,025
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$3,849/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$146,050/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,656
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,916
−HK$2,296/mo
Today · 4.125%
HK$77,212
baseline
▲ 0.50% · 4.625%
HK$81,910
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,424/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,829
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,997
−HK$2,199/mo
Today · 4.125%
HK$85,196
baseline
▲ 0.50% · 4.625%
HK$89,687
+HK$4,491/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,392/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,415
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,321
−HK$2,952/mo
Today · 4.125%
HK$99,273
baseline
▲ 0.50% · 4.625%
HK$105,313
+HK$6,040/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,546/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,923
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,710
−HK$2,828/mo
Today · 4.125%
HK$109,538
baseline
▲ 0.50% · 4.625%
HK$115,312
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,076/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,272 · Scale 2, in force from 26 Feb 2026)