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$51,784
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,394
−HK$1,637/mo
Today · 4.125%
HK$55,031
baseline
▲ 0.50% · 4.625%
HK$58,379
+HK$3,348/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,062/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,609
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,154
−HK$1,567/mo
Today · 4.125%
HK$60,721
baseline
▲ 0.50% · 4.625%
HK$63,922
+HK$3,201/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,442/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,140
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,073
−HK$1,964/mo
Today · 4.125%
HK$66,037
baseline
▲ 0.50% · 4.625%
HK$70,055
+HK$4,018/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$132,074/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,130
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,985
−HK$1,880/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$76,706
+HK$3,841/mo
Deposit HK$9.08M · loan HK$13.63M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,497
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$2,291/mo
Today · 4.125%
HK$77,043
baseline
▲ 0.50% · 4.625%
HK$81,731
+HK$4,688/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$154,086/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,652
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,815
−HK$2,195/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$89,491
+HK$4,481/mo
Deposit HK$6.81M · loan HK$15.90M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,210
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,110
−HK$2,946/mo
Today · 4.125%
HK$99,056
baseline
▲ 0.50% · 4.625%
HK$105,083
+HK$6,027/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,112/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,696
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,477
−HK$2,821/mo
Today · 4.125%
HK$109,298
baseline
▲ 0.50% · 4.625%
HK$115,059
+HK$5,761/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,596/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,157 · Scale 2, in force from 26 Feb 2026)