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$51,841
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,454
−HK$1,638/mo
Today · 4.125%
HK$55,092
baseline
▲ 0.50% · 4.625%
HK$58,445
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,184/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,673
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,220
−HK$1,569/mo
Today · 4.125%
HK$60,789
baseline
▲ 0.50% · 4.625%
HK$63,993
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,578/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,210
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,145
−HK$1,966/mo
Today · 4.125%
HK$66,111
baseline
▲ 0.50% · 4.625%
HK$70,133
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,222/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,208
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,064
−HK$1,883/mo
Today · 4.125%
HK$72,947
baseline
▲ 0.50% · 4.625%
HK$76,792
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,894/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,578
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,836
−HK$2,293/mo
Today · 4.125%
HK$77,129
baseline
▲ 0.50% · 4.625%
HK$81,822
+HK$4,693/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,258/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,742
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,908
−HK$2,196/mo
Today · 4.125%
HK$85,104
baseline
▲ 0.50% · 4.625%
HK$89,590
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,208/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,315
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,217
−HK$2,949/mo
Today · 4.125%
HK$99,166
baseline
▲ 0.50% · 4.625%
HK$105,200
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,332/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,811
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,596
−HK$2,824/mo
Today · 4.125%
HK$109,420
baseline
▲ 0.50% · 4.625%
HK$115,188
+HK$5,768/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,840/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,234 · Scale 2, in force from 26 Feb 2026)