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$51,923
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,641/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,537
+HK$3,358/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,764
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,572/mo
Today · 4.125%
HK$60,885
baseline
▲ 0.50% · 4.625%
HK$64,094
+HK$3,209/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,770/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,308
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,246
−HK$1,969/mo
Today · 4.125%
HK$66,215
baseline
▲ 0.50% · 4.625%
HK$70,244
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,430/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,317
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,176
−HK$1,886/mo
Today · 4.125%
HK$73,062
baseline
▲ 0.50% · 4.625%
HK$76,913
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,124/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,692
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,953
−HK$2,298/mo
Today · 4.125%
HK$77,251
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,700/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,502/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,869
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,200/mo
Today · 4.125%
HK$85,238
baseline
▲ 0.50% · 4.625%
HK$89,731
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,476/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,461
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,369
−HK$2,953/mo
Today · 4.125%
HK$99,322
baseline
▲ 0.50% · 4.625%
HK$105,366
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,644/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,975
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,763
−HK$2,829/mo
Today · 4.125%
HK$109,592
baseline
▲ 0.50% · 4.625%
HK$115,369
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,184/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,754 · Scale 2, in force from 26 Feb 2026)