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$51,895
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,509
−HK$1,640/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,505
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,733
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,571/mo
Today · 4.125%
HK$60,852
baseline
▲ 0.50% · 4.625%
HK$64,059
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,704/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,274
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,211
−HK$1,968/mo
Today · 4.125%
HK$66,179
baseline
▲ 0.50% · 4.625%
HK$70,206
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$132,358/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,279
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$1,885/mo
Today · 4.125%
HK$73,022
baseline
▲ 0.50% · 4.625%
HK$76,871
+HK$3,849/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$146,044/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,653
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,913
−HK$2,296/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,993
−HK$2,200/mo
Today · 4.125%
HK$85,193
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,386/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,411
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,317
−HK$2,952/mo
Today · 4.125%
HK$99,269
baseline
▲ 0.50% · 4.625%
HK$105,309
+HK$6,040/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,538/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,919
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,706
−HK$2,827/mo
Today · 4.125%
HK$109,533
baseline
▲ 0.50% · 4.625%
HK$115,307
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,066/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,233 · Scale 2, in force from 26 Feb 2026)