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$51,907
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,521
−HK$1,641/mo
Today · 4.125%
HK$55,162
baseline
▲ 0.50% · 4.625%
HK$58,518
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,324/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,746
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,295
−HK$1,571/mo
Today · 4.125%
HK$60,866
baseline
▲ 0.50% · 4.625%
HK$64,074
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,732/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,288
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,226
−HK$1,968/mo
Today · 4.125%
HK$66,194
baseline
▲ 0.50% · 4.625%
HK$70,222
+HK$4,028/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,388/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,295
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,153
−HK$1,886/mo
Today · 4.125%
HK$73,039
baseline
▲ 0.50% · 4.625%
HK$76,889
+HK$3,850/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,078/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,670
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,930
−HK$2,297/mo
Today · 4.125%
HK$77,227
baseline
▲ 0.50% · 4.625%
HK$81,926
+HK$4,699/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,454/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,844
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,012
−HK$2,200/mo
Today · 4.125%
HK$85,212
baseline
▲ 0.50% · 4.625%
HK$89,704
+HK$4,492/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,424/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,432
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,339
−HK$2,952/mo
Today · 4.125%
HK$99,291
baseline
▲ 0.50% · 4.625%
HK$105,333
+HK$6,042/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,582/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,942
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,730
−HK$2,828/mo
Today · 4.125%
HK$109,558
baseline
▲ 0.50% · 4.625%
HK$115,333
+HK$5,775/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,116/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,453 · Scale 2, in force from 26 Feb 2026)