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$51,941
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,642/mo
Today · 4.125%
HK$55,198
baseline
▲ 0.50% · 4.625%
HK$58,556
+HK$3,358/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,396/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,783
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,333
−HK$1,572/mo
Today · 4.125%
HK$60,905
baseline
▲ 0.50% · 4.625%
HK$64,116
+HK$3,211/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,810/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,329
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,267
−HK$1,970/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$70,268
+HK$4,031/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,200
−HK$1,886/mo
Today · 4.125%
HK$73,086
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$3,853/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,172/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,717
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,979
−HK$2,298/mo
Today · 4.125%
HK$77,277
baseline
▲ 0.50% · 4.625%
HK$81,979
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,554/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,897
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,066
−HK$2,201/mo
Today · 4.125%
HK$85,267
baseline
▲ 0.50% · 4.625%
HK$89,762
+HK$4,495/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,534/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,493
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,401
−HK$2,955/mo
Today · 4.125%
HK$99,356
baseline
▲ 0.50% · 4.625%
HK$105,401
+HK$6,045/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,712/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,010
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,800
−HK$2,829/mo
Today · 4.125%
HK$109,629
baseline
▲ 0.50% · 4.625%
HK$115,408
+HK$5,779/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,258/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$968,082 · Scale 2, in force from 26 Feb 2026)