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$51,951
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,641/mo
Today · 4.125%
HK$55,208
baseline
▲ 0.50% · 4.625%
HK$58,568
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,416/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,795
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,572/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,341
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,970/mo
Today · 4.125%
HK$66,250
baseline
▲ 0.50% · 4.625%
HK$70,281
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,500/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,353
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,213
−HK$1,887/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$76,954
+HK$3,854/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,731
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,993
−HK$2,299/mo
Today · 4.125%
HK$77,292
baseline
▲ 0.50% · 4.625%
HK$81,995
+HK$4,703/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$154,584/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,912
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,082
−HK$2,202/mo
Today · 4.125%
HK$85,284
baseline
▲ 0.50% · 4.625%
HK$89,779
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.95M · min. income ≈ HK$170,568/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,511
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,420
−HK$2,955/mo
Today · 4.125%
HK$99,375
baseline
▲ 0.50% · 4.625%
HK$105,422
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,750/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,030
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,820
−HK$2,831/mo
Today · 4.125%
HK$109,651
baseline
▲ 0.50% · 4.625%
HK$115,430
+HK$5,779/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,302/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,269 · Scale 2, in force from 26 Feb 2026)