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$51,920
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,535
−HK$1,641/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,533
+HK$3,357/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,761
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,310
−HK$1,571/mo
Today · 4.125%
HK$60,881
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,209/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,762/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,304
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,242
−HK$1,969/mo
Today · 4.125%
HK$66,211
baseline
▲ 0.50% · 4.625%
HK$70,240
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,422/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,313
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,172
−HK$1,886/mo
Today · 4.125%
HK$73,058
baseline
▲ 0.50% · 4.625%
HK$76,909
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,116/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,688
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$2,297/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,947
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,865
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,034
−HK$2,200/mo
Today · 4.125%
HK$85,234
baseline
▲ 0.50% · 4.625%
HK$89,727
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,468/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,456
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,363
−HK$2,954/mo
Today · 4.125%
HK$99,317
baseline
▲ 0.50% · 4.625%
HK$105,360
+HK$6,043/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,634/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,969
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,758
−HK$2,828/mo
Today · 4.125%
HK$109,586
baseline
▲ 0.50% · 4.625%
HK$115,363
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,172/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,702 · Scale 2, in force from 26 Feb 2026)