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$51,915
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,530
−HK$1,640/mo
Today · 4.125%
HK$55,170
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$3,357/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,340/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,755
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,304
−HK$1,571/mo
Today · 4.125%
HK$60,875
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,209/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,750/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,298
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,236
−HK$1,969/mo
Today · 4.125%
HK$66,205
baseline
▲ 0.50% · 4.625%
HK$70,233
+HK$4,028/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,410/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,306
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,165
−HK$1,885/mo
Today · 4.125%
HK$73,050
baseline
▲ 0.50% · 4.625%
HK$76,901
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,100/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,681
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,942
−HK$2,297/mo
Today · 4.125%
HK$77,239
baseline
▲ 0.50% · 4.625%
HK$81,938
+HK$4,699/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,478/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,857
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,025
−HK$2,200/mo
Today · 4.125%
HK$85,225
baseline
▲ 0.50% · 4.625%
HK$89,718
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,450/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,447
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,354
−HK$2,953/mo
Today · 4.125%
HK$99,307
baseline
▲ 0.50% · 4.625%
HK$105,349
+HK$6,042/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,614/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,959
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,747
−HK$2,828/mo
Today · 4.125%
HK$109,575
baseline
▲ 0.50% · 4.625%
HK$115,351
+HK$5,776/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,150/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,605 · Scale 2, in force from 26 Feb 2026)