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$51,756
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,366
−HK$1,636/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$58,348
+HK$3,346/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,578
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,122
−HK$1,567/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,107
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,963/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,094
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,947
−HK$1,880/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,712
−HK$2,290/mo
Today · 4.125%
HK$77,002
baseline
▲ 0.50% · 4.625%
HK$81,688
+HK$4,686/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,004/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,609
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,771
−HK$2,193/mo
Today · 4.125%
HK$84,964
baseline
▲ 0.50% · 4.625%
HK$89,443
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,928/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,161
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,059
−HK$2,944/mo
Today · 4.125%
HK$99,003
baseline
▲ 0.50% · 4.625%
HK$105,027
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,006/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,640
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,420
−HK$2,820/mo
Today · 4.125%
HK$109,240
baseline
▲ 0.50% · 4.625%
HK$114,998
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,480/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,642 · Scale 2, in force from 26 Feb 2026)