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$51,806
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,637/mo
Today · 4.125%
HK$55,055
baseline
▲ 0.50% · 4.625%
HK$58,405
+HK$3,350/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,110/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,634
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,180
−HK$1,568/mo
Today · 4.125%
HK$60,748
baseline
▲ 0.50% · 4.625%
HK$63,950
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,496/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,167
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,101
−HK$1,965/mo
Today · 4.125%
HK$66,066
baseline
▲ 0.50% · 4.625%
HK$70,086
+HK$4,020/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,132/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,161
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,016
−HK$1,881/mo
Today · 4.125%
HK$72,897
baseline
▲ 0.50% · 4.625%
HK$76,740
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,794/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,529
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,785
−HK$2,292/mo
Today · 4.125%
HK$77,077
baseline
▲ 0.50% · 4.625%
HK$81,767
+HK$4,690/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$154,154/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,687
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,851
−HK$2,196/mo
Today · 4.125%
HK$85,047
baseline
▲ 0.50% · 4.625%
HK$89,530
+HK$4,483/mo
Deposit HK$6.82M · loan HK$15.90M · min. income ≈ HK$170,094/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,251
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,152
−HK$2,947/mo
Today · 4.125%
HK$99,099
baseline
▲ 0.50% · 4.625%
HK$105,129
+HK$6,030/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,198/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,741
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,523
−HK$2,823/mo
Today · 4.125%
HK$109,346
baseline
▲ 0.50% · 4.625%
HK$115,110
+HK$5,764/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,692/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,578 · Scale 2, in force from 26 Feb 2026)