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$51,916
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,641/mo
Today · 4.125%
HK$55,172
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$3,357/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,344/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,756
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,305
−HK$1,572/mo
Today · 4.125%
HK$60,877
baseline
▲ 0.50% · 4.625%
HK$64,085
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,754/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,299
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,237
−HK$1,969/mo
Today · 4.125%
HK$66,206
baseline
▲ 0.50% · 4.625%
HK$70,235
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,412/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,307
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,166
−HK$1,886/mo
Today · 4.125%
HK$73,052
baseline
▲ 0.50% · 4.625%
HK$76,903
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,104/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,683
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,943
−HK$2,297/mo
Today · 4.125%
HK$77,240
baseline
▲ 0.50% · 4.625%
HK$81,940
+HK$4,700/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,480/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,859
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,027
−HK$2,200/mo
Today · 4.125%
HK$85,227
baseline
▲ 0.50% · 4.625%
HK$89,720
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,454/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,449
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,356
−HK$2,953/mo
Today · 4.125%
HK$99,309
baseline
▲ 0.50% · 4.625%
HK$105,352
+HK$6,043/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,618/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,961
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,749
−HK$2,829/mo
Today · 4.125%
HK$109,578
baseline
▲ 0.50% · 4.625%
HK$115,354
+HK$5,776/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,156/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,627 · Scale 2, in force from 26 Feb 2026)