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$51,788
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,399
−HK$1,636/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$3,349/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,613
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,159
−HK$1,567/mo
Today · 4.125%
HK$60,726
baseline
▲ 0.50% · 4.625%
HK$63,927
+HK$3,201/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,452/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,145
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,079
−HK$1,964/mo
Today · 4.125%
HK$66,043
baseline
▲ 0.50% · 4.625%
HK$70,061
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$132,086/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,136
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,990
−HK$1,881/mo
Today · 4.125%
HK$72,871
baseline
▲ 0.50% · 4.625%
HK$76,713
+HK$3,842/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$145,742/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,503
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,758
−HK$2,292/mo
Today · 4.125%
HK$77,050
baseline
▲ 0.50% · 4.625%
HK$81,738
+HK$4,688/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,100/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,659
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,822
−HK$2,195/mo
Today · 4.125%
HK$85,017
baseline
▲ 0.50% · 4.625%
HK$89,498
+HK$4,481/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,034/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,218
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,118
−HK$2,946/mo
Today · 4.125%
HK$99,064
baseline
▲ 0.50% · 4.625%
HK$105,092
+HK$6,028/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,128/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,704
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,486
−HK$2,821/mo
Today · 4.125%
HK$109,307
baseline
▲ 0.50% · 4.625%
HK$115,069
+HK$5,762/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,614/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,236 · Scale 2, in force from 26 Feb 2026)