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$51,873
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,487
−HK$1,639/mo
Today · 4.125%
HK$55,126
baseline
▲ 0.50% · 4.625%
HK$58,480
+HK$3,354/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,252/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,708
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,256
−HK$1,570/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,033
+HK$3,207/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,184
−HK$1,967/mo
Today · 4.125%
HK$66,151
baseline
▲ 0.50% · 4.625%
HK$70,177
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,302/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,250
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,107
−HK$1,885/mo
Today · 4.125%
HK$72,992
baseline
▲ 0.50% · 4.625%
HK$76,839
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,984/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,623
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,882
−HK$2,295/mo
Today · 4.125%
HK$77,177
baseline
▲ 0.50% · 4.625%
HK$81,873
+HK$4,696/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,354/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,792
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,959
−HK$2,198/mo
Today · 4.125%
HK$85,157
baseline
▲ 0.50% · 4.625%
HK$89,646
+HK$4,489/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,314/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,372
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,276
−HK$2,951/mo
Today · 4.125%
HK$99,227
baseline
▲ 0.50% · 4.625%
HK$105,265
+HK$6,038/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,454/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,875
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,661
−HK$2,826/mo
Today · 4.125%
HK$109,487
baseline
▲ 0.50% · 4.625%
HK$115,259
+HK$5,772/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,974/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,828 · Scale 2, in force from 26 Feb 2026)