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$51,919
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,534
−HK$1,641/mo
Today · 4.125%
HK$55,175
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$3,358/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,350/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,760
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,309
−HK$1,571/mo
Today · 4.125%
HK$60,880
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,210/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,760/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,303
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,969/mo
Today · 4.125%
HK$66,210
baseline
▲ 0.50% · 4.625%
HK$70,239
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,420/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,312
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$1,886/mo
Today · 4.125%
HK$73,057
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$3,850/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,114/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,687
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,948
−HK$2,297/mo
Today · 4.125%
HK$77,245
baseline
▲ 0.50% · 4.625%
HK$81,946
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,490/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,864
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,033
−HK$2,200/mo
Today · 4.125%
HK$85,233
baseline
▲ 0.50% · 4.625%
HK$89,725
+HK$4,492/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,466/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,455
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,362
−HK$2,953/mo
Today · 4.125%
HK$99,315
baseline
▲ 0.50% · 4.625%
HK$105,359
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,630/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,968
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,756
−HK$2,829/mo
Today · 4.125%
HK$109,585
baseline
▲ 0.50% · 4.625%
HK$115,361
+HK$5,776/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,170/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,688 · Scale 2, in force from 26 Feb 2026)