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$51,934
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,550
−HK$1,641/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,549
+HK$3,358/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,776
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,326
−HK$1,572/mo
Today · 4.125%
HK$60,898
baseline
▲ 0.50% · 4.625%
HK$64,108
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,796/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,321
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,260
−HK$1,969/mo
Today · 4.125%
HK$66,229
baseline
▲ 0.50% · 4.625%
HK$70,259
+HK$4,030/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,458/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,332
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,191
−HK$1,887/mo
Today · 4.125%
HK$73,078
baseline
▲ 0.50% · 4.625%
HK$76,930
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,156/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,708
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,970
−HK$2,298/mo
Today · 4.125%
HK$77,268
baseline
▲ 0.50% · 4.625%
HK$81,969
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,536/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,887
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,056
−HK$2,201/mo
Today · 4.125%
HK$85,257
baseline
▲ 0.50% · 4.625%
HK$89,751
+HK$4,494/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,514/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,482
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,390
−HK$2,954/mo
Today · 4.125%
HK$99,344
baseline
▲ 0.50% · 4.625%
HK$105,389
+HK$6,045/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,688/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,998
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,787
−HK$2,829/mo
Today · 4.125%
HK$109,616
baseline
▲ 0.50% · 4.625%
HK$115,394
+HK$5,778/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,232/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,966 · Scale 2, in force from 26 Feb 2026)