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$51,848
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,460
−HK$1,639/mo
Today · 4.125%
HK$55,099
baseline
▲ 0.50% · 4.625%
HK$58,451
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,198/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,680
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,227
−HK$1,569/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,001
+HK$3,205/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,217
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,152
−HK$1,967/mo
Today · 4.125%
HK$66,119
baseline
▲ 0.50% · 4.625%
HK$70,142
+HK$4,023/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$132,238/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,216
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,072
−HK$1,883/mo
Today · 4.125%
HK$72,955
baseline
▲ 0.50% · 4.625%
HK$76,801
+HK$3,846/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$145,910/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,587
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,844
−HK$2,294/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,832
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,752
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,918
−HK$2,197/mo
Today · 4.125%
HK$85,115
baseline
▲ 0.50% · 4.625%
HK$89,601
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,230/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,326
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,229
−HK$2,949/mo
Today · 4.125%
HK$99,178
baseline
▲ 0.50% · 4.625%
HK$105,213
+HK$6,035/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,356/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,824
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,608
−HK$2,825/mo
Today · 4.125%
HK$109,433
baseline
▲ 0.50% · 4.625%
HK$115,201
+HK$5,768/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,866/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,348 · Scale 2, in force from 26 Feb 2026)