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$51,878
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$53,492
−HK$1,640/mo
Today · 4.125%
HK$55,132
baseline
▲ 0.50% · 4.625%
HK$58,486
+HK$3,354/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,264/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,714
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,262
−HK$1,570/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,039
+HK$3,207/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,254
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,191
−HK$1,967/mo
Today · 4.125%
HK$66,158
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$4,025/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,316/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,257
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,114
−HK$1,885/mo
Today · 4.125%
HK$72,999
baseline
▲ 0.50% · 4.625%
HK$76,847
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,998/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,889
−HK$2,295/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,881
+HK$4,697/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,800
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,967
−HK$2,198/mo
Today · 4.125%
HK$85,165
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$4,489/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,330/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,381
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,286
−HK$2,951/mo
Today · 4.125%
HK$99,237
baseline
▲ 0.50% · 4.625%
HK$105,275
+HK$6,038/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,474/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,886
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,672
−HK$2,826/mo
Today · 4.125%
HK$109,498
baseline
▲ 0.50% · 4.625%
HK$115,270
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$218,996/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,923 · Scale 2, in force from 26 Feb 2026)