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$51,854
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,467
−HK$1,639/mo
Today · 4.125%
HK$55,106
baseline
▲ 0.50% · 4.625%
HK$58,459
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,212/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,687
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,234
−HK$1,570/mo
Today · 4.125%
HK$60,804
baseline
▲ 0.50% · 4.625%
HK$64,009
+HK$3,205/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,608/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,225
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,160
−HK$1,967/mo
Today · 4.125%
HK$66,127
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$132,254/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$1,884/mo
Today · 4.125%
HK$72,965
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$3,846/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$145,930/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,596
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,854
−HK$2,294/mo
Today · 4.125%
HK$77,148
baseline
▲ 0.50% · 4.625%
HK$81,842
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,296/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,762
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,928
−HK$2,197/mo
Today · 4.125%
HK$85,125
baseline
▲ 0.50% · 4.625%
HK$89,612
+HK$4,487/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,250/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,337
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,241
−HK$2,949/mo
Today · 4.125%
HK$99,190
baseline
▲ 0.50% · 4.625%
HK$105,226
+HK$6,036/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,380/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,837
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,622
−HK$2,825/mo
Today · 4.125%
HK$109,447
baseline
▲ 0.50% · 4.625%
HK$115,216
+HK$5,769/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,894/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,470 · Scale 2, in force from 26 Feb 2026)