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$51,833
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,445
−HK$1,638/mo
Today · 4.125%
HK$55,083
baseline
▲ 0.50% · 4.625%
HK$58,435
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,166/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,663
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,210
−HK$1,569/mo
Today · 4.125%
HK$60,779
baseline
▲ 0.50% · 4.625%
HK$63,982
+HK$3,203/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,558/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,199
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,965/mo
Today · 4.125%
HK$66,099
baseline
▲ 0.50% · 4.625%
HK$70,121
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,198/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,196
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,052
−HK$1,882/mo
Today · 4.125%
HK$72,934
baseline
▲ 0.50% · 4.625%
HK$76,779
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,868/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,566
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,823
−HK$2,293/mo
Today · 4.125%
HK$77,116
baseline
▲ 0.50% · 4.625%
HK$81,808
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,232/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,728
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,894
−HK$2,196/mo
Today · 4.125%
HK$85,090
baseline
▲ 0.50% · 4.625%
HK$89,575
+HK$4,485/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,180/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,299
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,201
−HK$2,948/mo
Today · 4.125%
HK$99,149
baseline
▲ 0.50% · 4.625%
HK$105,182
+HK$6,033/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,298/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,794
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,577
−HK$2,824/mo
Today · 4.125%
HK$109,401
baseline
▲ 0.50% · 4.625%
HK$115,168
+HK$5,767/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,802/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,068 · Scale 2, in force from 26 Feb 2026)