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$51,954
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$53,570
−HK$1,642/mo
Today · 4.125%
HK$55,212
baseline
▲ 0.50% · 4.625%
HK$58,572
+HK$3,360/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,424/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,799
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,349
−HK$1,572/mo
Today · 4.125%
HK$60,921
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,212/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,842/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,970/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$70,286
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,358
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,219
−HK$1,887/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$76,959
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,736
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$2,298/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$82,001
+HK$4,704/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,918
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,088
−HK$2,202/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$89,786
+HK$4,496/mo
Deposit HK$6.84M · loan HK$15.95M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,518
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,427
−HK$2,955/mo
Today · 4.125%
HK$99,382
baseline
▲ 0.50% · 4.625%
HK$105,429
+HK$6,047/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$198,764/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,038
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,828
−HK$2,830/mo
Today · 4.125%
HK$109,658
baseline
▲ 0.50% · 4.625%
HK$115,439
+HK$5,781/mo
Deposit HK$2.28M · loan HK$20.51M · min. income ≈ HK$219,316/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,339 · Scale 2, in force from 26 Feb 2026)