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$51,828
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,637/mo
Today · 4.125%
HK$55,078
baseline
▲ 0.50% · 4.625%
HK$58,430
+HK$3,352/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,156/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,659
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,205
−HK$1,569/mo
Today · 4.125%
HK$60,774
baseline
▲ 0.50% · 4.625%
HK$63,977
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,548/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,965/mo
Today · 4.125%
HK$66,094
baseline
▲ 0.50% · 4.625%
HK$70,116
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,188/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,190
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,046
−HK$1,882/mo
Today · 4.125%
HK$72,928
baseline
▲ 0.50% · 4.625%
HK$76,773
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,856/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,560
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,817
−HK$2,293/mo
Today · 4.125%
HK$77,110
baseline
▲ 0.50% · 4.625%
HK$81,802
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,220/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,722
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,887
−HK$2,196/mo
Today · 4.125%
HK$85,083
baseline
▲ 0.50% · 4.625%
HK$89,568
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,166/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,291
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,193
−HK$2,948/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$6,033/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,785
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,569
−HK$2,824/mo
Today · 4.125%
HK$109,393
baseline
▲ 0.50% · 4.625%
HK$115,159
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,786/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,991 · Scale 2, in force from 26 Feb 2026)