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$51,845
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,458
−HK$1,639/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,449
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,677
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,224
−HK$1,570/mo
Today · 4.125%
HK$60,794
baseline
▲ 0.50% · 4.625%
HK$63,998
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,588/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,214
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,150
−HK$1,966/mo
Today · 4.125%
HK$66,116
baseline
▲ 0.50% · 4.625%
HK$70,139
+HK$4,023/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,232/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,213
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,069
−HK$1,883/mo
Today · 4.125%
HK$72,952
baseline
▲ 0.50% · 4.625%
HK$76,798
+HK$3,846/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,904/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,841
−HK$2,294/mo
Today · 4.125%
HK$77,135
baseline
▲ 0.50% · 4.625%
HK$81,829
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,270/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,748
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,914
−HK$2,197/mo
Today · 4.125%
HK$85,111
baseline
▲ 0.50% · 4.625%
HK$89,597
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,222/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,322
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,225
−HK$2,949/mo
Today · 4.125%
HK$99,174
baseline
▲ 0.50% · 4.625%
HK$105,208
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,348/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,819
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,604
−HK$2,824/mo
Today · 4.125%
HK$109,428
baseline
▲ 0.50% · 4.625%
HK$115,197
+HK$5,769/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,856/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,308 · Scale 2, in force from 26 Feb 2026)