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$51,910
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,525
−HK$1,640/mo
Today · 4.125%
HK$55,165
baseline
▲ 0.50% · 4.625%
HK$58,522
+HK$3,357/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,330/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,749
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,298
−HK$1,571/mo
Today · 4.125%
HK$60,869
baseline
▲ 0.50% · 4.625%
HK$64,078
+HK$3,209/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,738/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,230
−HK$1,968/mo
Today · 4.125%
HK$66,198
baseline
▲ 0.50% · 4.625%
HK$70,226
+HK$4,028/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,396/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,299
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$1,885/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$3,850/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,674
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$2,296/mo
Today · 4.125%
HK$77,231
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,700/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,462/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,849
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,017
−HK$2,200/mo
Today · 4.125%
HK$85,217
baseline
▲ 0.50% · 4.625%
HK$89,709
+HK$4,492/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,434/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,438
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,344
−HK$2,953/mo
Today · 4.125%
HK$99,297
baseline
▲ 0.50% · 4.625%
HK$105,339
+HK$6,042/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,594/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,949
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,737
−HK$2,828/mo
Today · 4.125%
HK$109,565
baseline
▲ 0.50% · 4.625%
HK$115,340
+HK$5,775/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,130/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,512 · Scale 2, in force from 26 Feb 2026)