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$51,842
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,455
−HK$1,638/mo
Today · 4.125%
HK$55,093
baseline
▲ 0.50% · 4.625%
HK$58,446
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,186/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,674
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,221
−HK$1,569/mo
Today · 4.125%
HK$60,790
baseline
▲ 0.50% · 4.625%
HK$63,994
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,580/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,211
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,966/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$70,135
+HK$4,023/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,224/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,209
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,065
−HK$1,883/mo
Today · 4.125%
HK$72,948
baseline
▲ 0.50% · 4.625%
HK$76,793
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,896/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,579
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,837
−HK$2,294/mo
Today · 4.125%
HK$77,131
baseline
▲ 0.50% · 4.625%
HK$81,824
+HK$4,693/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,262/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,744
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,909
−HK$2,197/mo
Today · 4.125%
HK$85,106
baseline
▲ 0.50% · 4.625%
HK$89,592
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,212/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,316
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,219
−HK$2,949/mo
Today · 4.125%
HK$99,168
baseline
▲ 0.50% · 4.625%
HK$105,202
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,336/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,813
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,598
−HK$2,824/mo
Today · 4.125%
HK$109,422
baseline
▲ 0.50% · 4.625%
HK$115,190
+HK$5,768/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,844/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,252 · Scale 2, in force from 26 Feb 2026)