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$51,878
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,492
−HK$1,639/mo
Today · 4.125%
HK$55,131
baseline
▲ 0.50% · 4.625%
HK$58,486
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,262/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,714
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,262
−HK$1,570/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,038
+HK$3,206/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,254
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,190
−HK$1,967/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,257
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,114
−HK$1,884/mo
Today · 4.125%
HK$72,998
baseline
▲ 0.50% · 4.625%
HK$76,846
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,996/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,629
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,888
−HK$2,296/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,880
+HK$4,696/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,799
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,966
−HK$2,199/mo
Today · 4.125%
HK$85,165
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$4,489/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,330/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,380
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,285
−HK$2,951/mo
Today · 4.125%
HK$99,236
baseline
▲ 0.50% · 4.625%
HK$105,275
+HK$6,039/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,472/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,885
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,671
−HK$2,826/mo
Today · 4.125%
HK$109,497
baseline
▲ 0.50% · 4.625%
HK$115,269
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$218,994/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,916 · Scale 2, in force from 26 Feb 2026)