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$51,869
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,639/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$3,354/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,704
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,251
−HK$1,570/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,206/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,243
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,179
−HK$1,967/mo
Today · 4.125%
HK$66,146
baseline
▲ 0.50% · 4.625%
HK$70,171
+HK$4,025/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,292/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,244
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$1,884/mo
Today · 4.125%
HK$72,985
baseline
▲ 0.50% · 4.625%
HK$76,832
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,970/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,616
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,875
−HK$2,295/mo
Today · 4.125%
HK$77,170
baseline
▲ 0.50% · 4.625%
HK$81,866
+HK$4,696/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,340/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,785
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,952
−HK$2,197/mo
Today · 4.125%
HK$85,149
baseline
▲ 0.50% · 4.625%
HK$89,638
+HK$4,489/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,298/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,364
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,268
−HK$2,951/mo
Today · 4.125%
HK$99,219
baseline
▲ 0.50% · 4.625%
HK$105,256
+HK$6,037/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,438/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,866
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,652
−HK$2,826/mo
Today · 4.125%
HK$109,478
baseline
▲ 0.50% · 4.625%
HK$115,249
+HK$5,771/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,956/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,744 · Scale 2, in force from 26 Feb 2026)