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$51,825
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,437
−HK$1,638/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$3,351/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,201
−HK$1,569/mo
Today · 4.125%
HK$60,770
baseline
▲ 0.50% · 4.625%
HK$63,973
+HK$3,203/mo
Deposit HK$11.36M · loan HK$11.36M · min. income ≈ HK$121,540/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,190
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,124
−HK$1,966/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$70,111
+HK$4,021/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,186
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,041
−HK$1,883/mo
Today · 4.125%
HK$72,924
baseline
▲ 0.50% · 4.625%
HK$76,767
+HK$3,843/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,848/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,555
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,812
−HK$2,293/mo
Today · 4.125%
HK$77,105
baseline
▲ 0.50% · 4.625%
HK$81,796
+HK$4,691/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,210/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,717
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,881
−HK$2,197/mo
Today · 4.125%
HK$85,078
baseline
▲ 0.50% · 4.625%
HK$89,562
+HK$4,484/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,156/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,285
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,187
−HK$2,948/mo
Today · 4.125%
HK$99,135
baseline
▲ 0.50% · 4.625%
HK$105,167
+HK$6,032/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$198,270/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,779
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,562
−HK$2,823/mo
Today · 4.125%
HK$109,385
baseline
▲ 0.50% · 4.625%
HK$115,151
+HK$5,766/mo
Deposit HK$2.27M · loan HK$20.45M · min. income ≈ HK$218,770/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$965,927 · Scale 2, in force from 26 Feb 2026)