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$51,903
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,641/mo
Today · 4.125%
HK$55,158
baseline
▲ 0.50% · 4.625%
HK$58,514
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,316/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,741
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,290
−HK$1,571/mo
Today · 4.125%
HK$60,861
baseline
▲ 0.50% · 4.625%
HK$64,069
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,722/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,968/mo
Today · 4.125%
HK$66,189
baseline
▲ 0.50% · 4.625%
HK$70,216
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$132,378/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,290
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,148
−HK$1,885/mo
Today · 4.125%
HK$73,033
baseline
▲ 0.50% · 4.625%
HK$76,883
+HK$3,850/mo
Deposit HK$9.10M · loan HK$13.66M · min. income ≈ HK$146,066/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,664
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,924
−HK$2,297/mo
Today · 4.125%
HK$77,221
baseline
▲ 0.50% · 4.625%
HK$81,919
+HK$4,698/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,442/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,838
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,006
−HK$2,199/mo
Today · 4.125%
HK$85,205
baseline
▲ 0.50% · 4.625%
HK$89,697
+HK$4,492/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,410/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,425
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,331
−HK$2,953/mo
Today · 4.125%
HK$99,284
baseline
▲ 0.50% · 4.625%
HK$105,325
+HK$6,041/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,568/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,934
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,722
−HK$2,828/mo
Today · 4.125%
HK$109,550
baseline
▲ 0.50% · 4.625%
HK$115,324
+HK$5,774/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,100/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,378 · Scale 2, in force from 26 Feb 2026)