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$51,950
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,642/mo
Today · 4.125%
HK$55,208
baseline
▲ 0.50% · 4.625%
HK$58,567
+HK$3,359/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,416/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,794
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,344
−HK$1,572/mo
Today · 4.125%
HK$60,916
baseline
▲ 0.50% · 4.625%
HK$64,127
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,832/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,340
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,279
−HK$1,970/mo
Today · 4.125%
HK$66,249
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,498/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,352
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,212
−HK$1,887/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$76,952
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,730
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,992
−HK$2,299/mo
Today · 4.125%
HK$77,291
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,703/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,582/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,911
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,081
−HK$2,202/mo
Today · 4.125%
HK$85,283
baseline
▲ 0.50% · 4.625%
HK$89,778
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,566/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,510
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,418
−HK$2,956/mo
Today · 4.125%
HK$99,374
baseline
▲ 0.50% · 4.625%
HK$105,420
+HK$6,046/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,748/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,029
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,819
−HK$2,830/mo
Today · 4.125%
HK$109,649
baseline
▲ 0.50% · 4.625%
HK$115,429
+HK$5,780/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,298/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,255 · Scale 2, in force from 26 Feb 2026)