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$51,960
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,576
−HK$1,642/mo
Today · 4.125%
HK$55,218
baseline
▲ 0.50% · 4.625%
HK$58,578
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,436/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,805
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,355
−HK$1,573/mo
Today · 4.125%
HK$60,928
baseline
▲ 0.50% · 4.625%
HK$64,139
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,856/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,352
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,971/mo
Today · 4.125%
HK$66,262
baseline
▲ 0.50% · 4.625%
HK$70,294
+HK$4,032/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,524/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,366
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,226
−HK$1,887/mo
Today · 4.125%
HK$73,113
baseline
▲ 0.50% · 4.625%
HK$76,967
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,226/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,744
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,006
−HK$2,299/mo
Today · 4.125%
HK$77,305
baseline
▲ 0.50% · 4.625%
HK$82,009
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,610/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,927
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,097
−HK$2,202/mo
Today · 4.125%
HK$85,299
baseline
▲ 0.50% · 4.625%
HK$89,795
+HK$4,496/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,598/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,528
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,437
−HK$2,956/mo
Today · 4.125%
HK$99,393
baseline
▲ 0.50% · 4.625%
HK$105,440
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,786/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,048
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,839
−HK$2,831/mo
Today · 4.125%
HK$109,670
baseline
▲ 0.50% · 4.625%
HK$115,451
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,340/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,439 · Scale 2, in force from 26 Feb 2026)