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$51,973
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,589
−HK$1,643/mo
Today · 4.125%
HK$55,232
baseline
▲ 0.50% · 4.625%
HK$58,593
+HK$3,361/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$110,464/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,819
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$59,370
−HK$1,573/mo
Today · 4.125%
HK$60,943
baseline
▲ 0.50% · 4.625%
HK$64,155
+HK$3,212/mo
Deposit HK$11.40M · loan HK$11.40M · min. income ≈ HK$121,886/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,367
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,307
−HK$1,971/mo
Today · 4.125%
HK$66,278
baseline
▲ 0.50% · 4.625%
HK$70,311
+HK$4,033/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$132,556/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,383
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,244
−HK$1,888/mo
Today · 4.125%
HK$73,132
baseline
▲ 0.50% · 4.625%
HK$76,986
+HK$3,854/mo
Deposit HK$9.12M · loan HK$13.68M · min. income ≈ HK$146,264/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,762
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,025
−HK$2,300/mo
Today · 4.125%
HK$77,325
baseline
▲ 0.50% · 4.625%
HK$82,030
+HK$4,705/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,650/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,947
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,118
−HK$2,202/mo
Today · 4.125%
HK$85,320
baseline
▲ 0.50% · 4.625%
HK$89,818
+HK$4,498/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,640/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,551
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,461
−HK$2,957/mo
Today · 4.125%
HK$99,418
baseline
▲ 0.50% · 4.625%
HK$105,467
+HK$6,049/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,836/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,075
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,866
−HK$2,831/mo
Today · 4.125%
HK$109,697
baseline
▲ 0.50% · 4.625%
HK$115,480
+HK$5,783/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,394/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,683 · Scale 2, in force from 26 Feb 2026)