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$51,923
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,641/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$3,357/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,312
−HK$1,572/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,093
+HK$3,209/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,307
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,245
−HK$1,969/mo
Today · 4.125%
HK$66,214
baseline
▲ 0.50% · 4.625%
HK$70,243
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,428/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,316
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,175
−HK$1,886/mo
Today · 4.125%
HK$73,061
baseline
▲ 0.50% · 4.625%
HK$76,912
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,122/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,692
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,953
−HK$2,297/mo
Today · 4.125%
HK$77,250
baseline
▲ 0.50% · 4.625%
HK$81,950
+HK$4,700/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,500/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,869
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,037
−HK$2,201/mo
Today · 4.125%
HK$85,238
baseline
▲ 0.50% · 4.625%
HK$89,731
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,476/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,461
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,368
−HK$2,953/mo
Today · 4.125%
HK$99,321
baseline
▲ 0.50% · 4.625%
HK$105,365
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,642/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,974
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,762
−HK$2,829/mo
Today · 4.125%
HK$109,591
baseline
▲ 0.50% · 4.625%
HK$115,368
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,182/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,746 · Scale 2, in force from 26 Feb 2026)