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$51,836
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,449
−HK$1,638/mo
Today · 4.125%
HK$55,087
baseline
▲ 0.50% · 4.625%
HK$58,439
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,174/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,667
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,214
−HK$1,569/mo
Today · 4.125%
HK$60,783
baseline
▲ 0.50% · 4.625%
HK$63,987
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,566/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,203
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,966/mo
Today · 4.125%
HK$66,104
baseline
▲ 0.50% · 4.625%
HK$70,126
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,208/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,201
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,057
−HK$1,882/mo
Today · 4.125%
HK$72,939
baseline
▲ 0.50% · 4.625%
HK$76,784
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,878/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,571
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$2,294/mo
Today · 4.125%
HK$77,122
baseline
▲ 0.50% · 4.625%
HK$81,814
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,244/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,734
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,899
−HK$2,197/mo
Today · 4.125%
HK$85,096
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,192/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,305
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,208
−HK$2,948/mo
Today · 4.125%
HK$99,156
baseline
▲ 0.50% · 4.625%
HK$105,190
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,312/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,801
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,585
−HK$2,824/mo
Today · 4.125%
HK$109,409
baseline
▲ 0.50% · 4.625%
HK$115,176
+HK$5,767/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,818/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,137 · Scale 2, in force from 26 Feb 2026)