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$51,955
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,571
−HK$1,642/mo
Today · 4.125%
HK$55,213
baseline
▲ 0.50% · 4.625%
HK$58,572
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,426/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,799
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,349
−HK$1,573/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,346
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,970/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$70,287
+HK$4,032/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,359
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,219
−HK$1,887/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$76,960
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,737
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$2,299/mo
Today · 4.125%
HK$77,298
baseline
▲ 0.50% · 4.625%
HK$82,001
+HK$4,703/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,596/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,919
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,089
−HK$2,202/mo
Today · 4.125%
HK$85,291
baseline
▲ 0.50% · 4.625%
HK$89,787
+HK$4,496/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,582/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,519
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,428
−HK$2,955/mo
Today · 4.125%
HK$99,383
baseline
▲ 0.50% · 4.625%
HK$105,430
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,766/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,039
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,829
−HK$2,831/mo
Today · 4.125%
HK$109,660
baseline
▲ 0.50% · 4.625%
HK$115,440
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,320/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,349 · Scale 2, in force from 26 Feb 2026)