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$51,899
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,513
−HK$1,641/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,509
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,737
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,570/mo
Today · 4.125%
HK$60,856
baseline
▲ 0.50% · 4.625%
HK$64,064
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,712/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,279
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,968/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,285
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,143
−HK$1,885/mo
Today · 4.125%
HK$73,028
baseline
▲ 0.50% · 4.625%
HK$76,877
+HK$3,849/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$146,056/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,659
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,919
−HK$2,296/mo
Today · 4.125%
HK$77,215
baseline
▲ 0.50% · 4.625%
HK$81,913
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,430/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,832
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,000
−HK$2,199/mo
Today · 4.125%
HK$85,199
baseline
▲ 0.50% · 4.625%
HK$89,690
+HK$4,491/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,398/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,418
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,324
−HK$2,952/mo
Today · 4.125%
HK$99,276
baseline
▲ 0.50% · 4.625%
HK$105,317
+HK$6,041/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,552/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,927
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,714
−HK$2,828/mo
Today · 4.125%
HK$109,542
baseline
▲ 0.50% · 4.625%
HK$115,316
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,084/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,307 · Scale 2, in force from 26 Feb 2026)