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$51,838
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,451
−HK$1,638/mo
Today · 4.125%
HK$55,089
baseline
▲ 0.50% · 4.625%
HK$58,441
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,178/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,216
−HK$1,569/mo
Today · 4.125%
HK$60,785
baseline
▲ 0.50% · 4.625%
HK$63,989
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,570/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,141
−HK$1,966/mo
Today · 4.125%
HK$66,107
baseline
▲ 0.50% · 4.625%
HK$70,129
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,214/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,203
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,059
−HK$1,883/mo
Today · 4.125%
HK$72,942
baseline
▲ 0.50% · 4.625%
HK$76,787
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,884/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,574
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,831
−HK$2,294/mo
Today · 4.125%
HK$77,125
baseline
▲ 0.50% · 4.625%
HK$81,817
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,250/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,737
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,903
−HK$2,196/mo
Today · 4.125%
HK$85,099
baseline
▲ 0.50% · 4.625%
HK$89,585
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,198/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,309
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,211
−HK$2,949/mo
Today · 4.125%
HK$99,160
baseline
▲ 0.50% · 4.625%
HK$105,194
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,320/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,805
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,589
−HK$2,824/mo
Today · 4.125%
HK$109,413
baseline
▲ 0.50% · 4.625%
HK$115,181
+HK$5,768/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,826/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,175 · Scale 2, in force from 26 Feb 2026)