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$51,867
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,480
−HK$1,639/mo
Today · 4.125%
HK$55,119
baseline
▲ 0.50% · 4.625%
HK$58,473
+HK$3,354/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,238/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,701
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,249
−HK$1,569/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,024
+HK$3,206/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,240
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,176
−HK$1,967/mo
Today · 4.125%
HK$66,143
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$4,025/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,286/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,241
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,098
−HK$1,884/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$76,829
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,613
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,872
−HK$2,295/mo
Today · 4.125%
HK$77,167
baseline
▲ 0.50% · 4.625%
HK$81,862
+HK$4,695/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,334/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,781
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,948
−HK$2,198/mo
Today · 4.125%
HK$85,146
baseline
▲ 0.50% · 4.625%
HK$89,634
+HK$4,488/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,292/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,360
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,264
−HK$2,950/mo
Today · 4.125%
HK$99,214
baseline
▲ 0.50% · 4.625%
HK$105,251
+HK$6,037/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,428/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,862
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,647
−HK$2,826/mo
Today · 4.125%
HK$109,473
baseline
▲ 0.50% · 4.625%
HK$115,244
+HK$5,771/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,946/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,703 · Scale 2, in force from 26 Feb 2026)