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$51,886
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,639/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$3,356/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,722
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,270
−HK$1,571/mo
Today · 4.125%
HK$60,841
baseline
▲ 0.50% · 4.625%
HK$64,048
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,682/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,263
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,967/mo
Today · 4.125%
HK$66,167
baseline
▲ 0.50% · 4.625%
HK$70,193
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,334/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,267
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,124
−HK$1,885/mo
Today · 4.125%
HK$73,009
baseline
▲ 0.50% · 4.625%
HK$76,857
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,018/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,640
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,900
−HK$2,295/mo
Today · 4.125%
HK$77,195
baseline
▲ 0.50% · 4.625%
HK$81,892
+HK$4,697/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,390/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,811
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,979
−HK$2,198/mo
Today · 4.125%
HK$85,177
baseline
▲ 0.50% · 4.625%
HK$89,667
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,354/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,394
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,299
−HK$2,952/mo
Today · 4.125%
HK$99,251
baseline
▲ 0.50% · 4.625%
HK$105,290
+HK$6,039/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,502/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,900
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,687
−HK$2,827/mo
Today · 4.125%
HK$109,514
baseline
▲ 0.50% · 4.625%
HK$115,286
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,028/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,060 · Scale 2, in force from 26 Feb 2026)