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$51,927
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,543
−HK$1,641/mo
Today · 4.125%
HK$55,184
baseline
▲ 0.50% · 4.625%
HK$58,542
+HK$3,358/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,368/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,769
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,318
−HK$1,572/mo
Today · 4.125%
HK$60,890
baseline
▲ 0.50% · 4.625%
HK$64,099
+HK$3,209/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,780/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,313
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,251
−HK$1,970/mo
Today · 4.125%
HK$66,221
baseline
▲ 0.50% · 4.625%
HK$70,250
+HK$4,029/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$132,442/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,182
−HK$1,886/mo
Today · 4.125%
HK$73,068
baseline
▲ 0.50% · 4.625%
HK$76,919
+HK$3,851/mo
Deposit HK$9.11M · loan HK$13.66M · min. income ≈ HK$146,136/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,698
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,960
−HK$2,297/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,958
+HK$4,701/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,876
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,045
−HK$2,201/mo
Today · 4.125%
HK$85,246
baseline
▲ 0.50% · 4.625%
HK$89,739
+HK$4,493/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,492/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,469
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,377
−HK$2,954/mo
Today · 4.125%
HK$99,331
baseline
▲ 0.50% · 4.625%
HK$105,375
+HK$6,044/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,662/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,984
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,773
−HK$2,829/mo
Today · 4.125%
HK$109,602
baseline
▲ 0.50% · 4.625%
HK$115,379
+HK$5,777/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,204/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,838 · Scale 2, in force from 26 Feb 2026)