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$51,922
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,537
−HK$1,641/mo
Today · 4.125%
HK$55,178
baseline
▲ 0.50% · 4.625%
HK$58,535
+HK$3,357/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,356/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,312
−HK$1,571/mo
Today · 4.125%
HK$60,883
baseline
▲ 0.50% · 4.625%
HK$64,093
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,766/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,306
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,244
−HK$1,970/mo
Today · 4.125%
HK$66,214
baseline
▲ 0.50% · 4.625%
HK$70,243
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,428/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,315
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,174
−HK$1,886/mo
Today · 4.125%
HK$73,060
baseline
▲ 0.50% · 4.625%
HK$76,911
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,120/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,691
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,952
−HK$2,297/mo
Today · 4.125%
HK$77,249
baseline
▲ 0.50% · 4.625%
HK$81,950
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,498/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,868
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,037
−HK$2,200/mo
Today · 4.125%
HK$85,237
baseline
▲ 0.50% · 4.625%
HK$89,730
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,474/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,460
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,367
−HK$2,953/mo
Today · 4.125%
HK$99,320
baseline
▲ 0.50% · 4.625%
HK$105,364
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$198,640/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,973
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,761
−HK$2,829/mo
Today · 4.125%
HK$109,590
baseline
▲ 0.50% · 4.625%
HK$115,367
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.49M · min. income ≈ HK$219,180/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,736 · Scale 2, in force from 26 Feb 2026)