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$51,775
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,385
−HK$1,636/mo
Today · 4.125%
HK$55,021
baseline
▲ 0.50% · 4.625%
HK$58,369
+HK$3,348/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,042/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,599
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,144
−HK$1,567/mo
Today · 4.125%
HK$60,711
baseline
▲ 0.50% · 4.625%
HK$63,911
+HK$3,200/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,422/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,130
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,062
−HK$1,964/mo
Today · 4.125%
HK$66,026
baseline
▲ 0.50% · 4.625%
HK$70,043
+HK$4,017/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,052/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,119
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,972
−HK$1,881/mo
Today · 4.125%
HK$72,853
baseline
▲ 0.50% · 4.625%
HK$76,693
+HK$3,840/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,706/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,485
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,739
−HK$2,291/mo
Today · 4.125%
HK$77,030
baseline
▲ 0.50% · 4.625%
HK$81,717
+HK$4,687/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,060/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,638
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,801
−HK$2,194/mo
Today · 4.125%
HK$84,995
baseline
▲ 0.50% · 4.625%
HK$89,475
+HK$4,480/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,990/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,195
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,093
−HK$2,946/mo
Today · 4.125%
HK$99,039
baseline
▲ 0.50% · 4.625%
HK$105,065
+HK$6,026/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$198,078/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,678
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,459
−HK$2,820/mo
Today · 4.125%
HK$109,279
baseline
▲ 0.50% · 4.625%
HK$115,040
+HK$5,761/mo
Deposit HK$2.27M · loan HK$20.44M · min. income ≈ HK$218,558/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$964,991 · Scale 2, in force from 26 Feb 2026)