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$51,812
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,424
−HK$1,637/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$58,412
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,640
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,186
−HK$1,569/mo
Today · 4.125%
HK$60,755
baseline
▲ 0.50% · 4.625%
HK$63,957
+HK$3,202/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,510/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,175
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,964/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$70,094
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,169
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,024
−HK$1,882/mo
Today · 4.125%
HK$72,906
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$3,842/mo
Deposit HK$9.09M · loan HK$13.63M · min. income ≈ HK$145,812/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,537
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,793
−HK$2,293/mo
Today · 4.125%
HK$77,086
baseline
▲ 0.50% · 4.625%
HK$81,776
+HK$4,690/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,172/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,697
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,861
−HK$2,195/mo
Today · 4.125%
HK$85,056
baseline
▲ 0.50% · 4.625%
HK$89,540
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,112/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,262
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,163
−HK$2,947/mo
Today · 4.125%
HK$99,110
baseline
▲ 0.50% · 4.625%
HK$105,141
+HK$6,031/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,220/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,753
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,535
−HK$2,823/mo
Today · 4.125%
HK$109,358
baseline
▲ 0.50% · 4.625%
HK$115,123
+HK$5,765/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,716/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,688 · Scale 2, in force from 26 Feb 2026)