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$51,929
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,642/mo
Today · 4.125%
HK$55,186
baseline
▲ 0.50% · 4.625%
HK$58,543
+HK$3,357/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,372/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,771
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,320
−HK$1,572/mo
Today · 4.125%
HK$60,892
baseline
▲ 0.50% · 4.625%
HK$64,102
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,784/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,315
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,253
−HK$1,970/mo
Today · 4.125%
HK$66,223
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,446/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,325
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,184
−HK$1,886/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,701
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,962
−HK$2,298/mo
Today · 4.125%
HK$77,260
baseline
▲ 0.50% · 4.625%
HK$81,961
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,520/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,879
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,048
−HK$2,201/mo
Today · 4.125%
HK$85,249
baseline
▲ 0.50% · 4.625%
HK$89,742
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,498/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,473
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,380
−HK$2,954/mo
Today · 4.125%
HK$99,334
baseline
▲ 0.50% · 4.625%
HK$105,378
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,668/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,987
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,776
−HK$2,829/mo
Today · 4.125%
HK$109,605
baseline
▲ 0.50% · 4.625%
HK$115,383
+HK$5,778/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,210/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,870 · Scale 2, in force from 26 Feb 2026)