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$51,858
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,471
−HK$1,639/mo
Today · 4.125%
HK$55,110
baseline
▲ 0.50% · 4.625%
HK$58,463
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,220/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,692
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,239
−HK$1,569/mo
Today · 4.125%
HK$60,808
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,206/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,616/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,230
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,165
−HK$1,967/mo
Today · 4.125%
HK$66,132
baseline
▲ 0.50% · 4.625%
HK$70,156
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,264/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,087
−HK$1,883/mo
Today · 4.125%
HK$72,970
baseline
▲ 0.50% · 4.625%
HK$76,817
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,940/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,601
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,860
−HK$2,294/mo
Today · 4.125%
HK$77,154
baseline
▲ 0.50% · 4.625%
HK$81,849
+HK$4,695/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,308/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,768
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,198/mo
Today · 4.125%
HK$85,132
baseline
▲ 0.50% · 4.625%
HK$89,619
+HK$4,487/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,264/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,345
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,248
−HK$2,950/mo
Today · 4.125%
HK$99,198
baseline
▲ 0.50% · 4.625%
HK$105,234
+HK$6,036/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,396/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,845
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,630
−HK$2,825/mo
Today · 4.125%
HK$109,455
baseline
▲ 0.50% · 4.625%
HK$115,225
+HK$5,770/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,910/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,545 · Scale 2, in force from 26 Feb 2026)