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$51,877
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,491
−HK$1,639/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,485
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,712
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,571/mo
Today · 4.125%
HK$60,831
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,206/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,662/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,252
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,189
−HK$1,967/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$70,181
+HK$4,025/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,112
−HK$1,885/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,887
−HK$2,295/mo
Today · 4.125%
HK$77,182
baseline
▲ 0.50% · 4.625%
HK$81,878
+HK$4,696/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,364/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,964
−HK$2,199/mo
Today · 4.125%
HK$85,163
baseline
▲ 0.50% · 4.625%
HK$89,652
+HK$4,489/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,326/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,378
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,283
−HK$2,951/mo
Today · 4.125%
HK$99,234
baseline
▲ 0.50% · 4.625%
HK$105,272
+HK$6,038/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,468/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,882
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,669
−HK$2,826/mo
Today · 4.125%
HK$109,495
baseline
▲ 0.50% · 4.625%
HK$115,267
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$218,990/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,895 · Scale 2, in force from 26 Feb 2026)