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$51,866
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,479
−HK$1,639/mo
Today · 4.125%
HK$55,118
baseline
▲ 0.50% · 4.625%
HK$58,472
+HK$3,354/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,236/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,700
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,248
−HK$1,570/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,023
+HK$3,205/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,239
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,175
−HK$1,967/mo
Today · 4.125%
HK$66,142
baseline
▲ 0.50% · 4.625%
HK$70,166
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,284/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,240
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,097
−HK$1,884/mo
Today · 4.125%
HK$72,981
baseline
▲ 0.50% · 4.625%
HK$76,828
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,962/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,612
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,871
−HK$2,295/mo
Today · 4.125%
HK$77,166
baseline
▲ 0.50% · 4.625%
HK$81,861
+HK$4,695/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,332/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,947
−HK$2,198/mo
Today · 4.125%
HK$85,145
baseline
▲ 0.50% · 4.625%
HK$89,633
+HK$4,488/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,290/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,358
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,262
−HK$2,951/mo
Today · 4.125%
HK$99,213
baseline
▲ 0.50% · 4.625%
HK$105,250
+HK$6,037/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,426/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,860
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,646
−HK$2,826/mo
Today · 4.125%
HK$109,472
baseline
▲ 0.50% · 4.625%
HK$115,242
+HK$5,770/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,944/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,688 · Scale 2, in force from 26 Feb 2026)