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$51,879
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,493
−HK$1,640/mo
Today · 4.125%
HK$55,133
baseline
▲ 0.50% · 4.625%
HK$58,487
+HK$3,354/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,266/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,715
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,263
−HK$1,571/mo
Today · 4.125%
HK$60,834
baseline
▲ 0.50% · 4.625%
HK$64,040
+HK$3,206/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,668/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,255
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,967/mo
Today · 4.125%
HK$66,159
baseline
▲ 0.50% · 4.625%
HK$70,185
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,318/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,258
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,116
−HK$1,884/mo
Today · 4.125%
HK$73,000
baseline
▲ 0.50% · 4.625%
HK$76,848
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,000/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,631
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,891
−HK$2,295/mo
Today · 4.125%
HK$77,186
baseline
▲ 0.50% · 4.625%
HK$81,882
+HK$4,696/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,372/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,802
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,969
−HK$2,198/mo
Today · 4.125%
HK$85,167
baseline
▲ 0.50% · 4.625%
HK$89,656
+HK$4,489/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,334/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,383
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,288
−HK$2,951/mo
Today · 4.125%
HK$99,239
baseline
▲ 0.50% · 4.625%
HK$105,277
+HK$6,038/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,478/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,888
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,674
−HK$2,826/mo
Today · 4.125%
HK$109,500
baseline
▲ 0.50% · 4.625%
HK$115,272
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,000/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,944 · Scale 2, in force from 26 Feb 2026)