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$51,890
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,504
−HK$1,640/mo
Today · 4.125%
HK$55,144
baseline
▲ 0.50% · 4.625%
HK$58,499
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,288/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,727
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,275
−HK$1,570/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,053
+HK$3,208/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,267
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,204
−HK$1,968/mo
Today · 4.125%
HK$66,172
baseline
▲ 0.50% · 4.625%
HK$70,199
+HK$4,027/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,344/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,272
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$1,885/mo
Today · 4.125%
HK$73,015
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,030/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,645
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,905
−HK$2,296/mo
Today · 4.125%
HK$77,201
baseline
▲ 0.50% · 4.625%
HK$81,898
+HK$4,697/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,402/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,817
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,985
−HK$2,199/mo
Today · 4.125%
HK$85,184
baseline
▲ 0.50% · 4.625%
HK$89,674
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,368/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,401
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,307
−HK$2,951/mo
Today · 4.125%
HK$99,258
baseline
▲ 0.50% · 4.625%
HK$105,298
+HK$6,040/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,516/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,908
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,695
−HK$2,827/mo
Today · 4.125%
HK$109,522
baseline
▲ 0.50% · 4.625%
HK$115,295
+HK$5,773/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,044/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,132 · Scale 2, in force from 26 Feb 2026)