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$51,838
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,450
−HK$1,638/mo
Today · 4.125%
HK$55,088
baseline
▲ 0.50% · 4.625%
HK$58,440
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,176/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,669
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,215
−HK$1,569/mo
Today · 4.125%
HK$60,784
baseline
▲ 0.50% · 4.625%
HK$63,988
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,568/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,205
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,140
−HK$1,966/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,203
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,059
−HK$1,882/mo
Today · 4.125%
HK$72,941
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,882/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$2,294/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,692/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,736
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,902
−HK$2,196/mo
Today · 4.125%
HK$85,098
baseline
▲ 0.50% · 4.625%
HK$89,584
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,196/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,308
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,210
−HK$2,949/mo
Today · 4.125%
HK$99,159
baseline
▲ 0.50% · 4.625%
HK$105,192
+HK$6,033/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,318/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,804
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,588
−HK$2,824/mo
Today · 4.125%
HK$109,412
baseline
▲ 0.50% · 4.625%
HK$115,179
+HK$5,767/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,824/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,163 · Scale 2, in force from 26 Feb 2026)