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$51,936
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,551
−HK$1,642/mo
Today · 4.125%
HK$55,193
baseline
▲ 0.50% · 4.625%
HK$58,551
+HK$3,358/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$110,386/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,778
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$59,328
−HK$1,572/mo
Today · 4.125%
HK$60,900
baseline
▲ 0.50% · 4.625%
HK$64,110
+HK$3,210/mo
Deposit HK$11.39M · loan HK$11.39M · min. income ≈ HK$121,800/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,323
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,262
−HK$1,969/mo
Today · 4.125%
HK$66,231
baseline
▲ 0.50% · 4.625%
HK$70,261
+HK$4,030/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$132,462/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,334
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,193
−HK$1,887/mo
Today · 4.125%
HK$73,080
baseline
▲ 0.50% · 4.625%
HK$76,932
+HK$3,852/mo
Deposit HK$9.11M · loan HK$13.67M · min. income ≈ HK$146,160/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,710
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,972
−HK$2,298/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,702/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,889
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,059
−HK$2,201/mo
Today · 4.125%
HK$85,260
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$4,494/mo
Deposit HK$6.83M · loan HK$15.94M · min. income ≈ HK$170,520/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,485
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,393
−HK$2,954/mo
Today · 4.125%
HK$99,347
baseline
▲ 0.50% · 4.625%
HK$105,392
+HK$6,045/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$198,694/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,001
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,790
−HK$2,830/mo
Today · 4.125%
HK$109,620
baseline
▲ 0.50% · 4.625%
HK$115,398
+HK$5,778/mo
Deposit HK$2.28M · loan HK$20.50M · min. income ≈ HK$219,240/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$967,996 · Scale 2, in force from 26 Feb 2026)