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$51,755
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,364
−HK$1,636/mo
Today · 4.125%
HK$55,000
baseline
▲ 0.50% · 4.625%
HK$58,347
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,000/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,577
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,121
−HK$1,566/mo
Today · 4.125%
HK$60,687
baseline
▲ 0.50% · 4.625%
HK$63,886
+HK$3,199/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,374/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,106
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,037
−HK$1,963/mo
Today · 4.125%
HK$66,000
baseline
▲ 0.50% · 4.625%
HK$70,016
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,000/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,092
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,945
−HK$1,880/mo
Today · 4.125%
HK$72,825
baseline
▲ 0.50% · 4.625%
HK$76,663
+HK$3,838/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,650/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,710
−HK$2,290/mo
Today · 4.125%
HK$77,000
baseline
▲ 0.50% · 4.625%
HK$81,685
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,000/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,607
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,769
−HK$2,193/mo
Today · 4.125%
HK$84,962
baseline
▲ 0.50% · 4.625%
HK$89,441
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,924/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,158
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,056
−HK$2,944/mo
Today · 4.125%
HK$99,000
baseline
▲ 0.50% · 4.625%
HK$105,024
+HK$6,024/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,000/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,638
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,417
−HK$2,820/mo
Today · 4.125%
HK$109,237
baseline
▲ 0.50% · 4.625%
HK$114,995
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,474/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,617 · Scale 2, in force from 26 Feb 2026)