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$51,850
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,639/mo
Today · 4.125%
HK$55,102
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,204/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,230
−HK$1,569/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,205/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,220
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,156
−HK$1,966/mo
Today · 4.125%
HK$66,122
baseline
▲ 0.50% · 4.625%
HK$70,145
+HK$4,023/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$132,244/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,219
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,076
−HK$1,883/mo
Today · 4.125%
HK$72,959
baseline
▲ 0.50% · 4.625%
HK$76,805
+HK$3,846/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$145,918/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,590
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,848
−HK$2,294/mo
Today · 4.125%
HK$77,142
baseline
▲ 0.50% · 4.625%
HK$81,836
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,284/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,756
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,922
−HK$2,197/mo
Today · 4.125%
HK$85,119
baseline
▲ 0.50% · 4.625%
HK$89,606
+HK$4,487/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,238/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,330
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,950/mo
Today · 4.125%
HK$99,183
baseline
▲ 0.50% · 4.625%
HK$105,218
+HK$6,035/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,366/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,829
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,614
−HK$2,824/mo
Today · 4.125%
HK$109,438
baseline
▲ 0.50% · 4.625%
HK$115,207
+HK$5,769/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,876/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,396 · Scale 2, in force from 26 Feb 2026)