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$51,835
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,448
−HK$1,638/mo
Today · 4.125%
HK$55,086
baseline
▲ 0.50% · 4.625%
HK$58,438
+HK$3,352/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,172/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,666
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,213
−HK$1,569/mo
Today · 4.125%
HK$60,782
baseline
▲ 0.50% · 4.625%
HK$63,986
+HK$3,204/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,564/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,137
−HK$1,966/mo
Today · 4.125%
HK$66,103
baseline
▲ 0.50% · 4.625%
HK$70,125
+HK$4,022/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$132,206/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,199
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,055
−HK$1,883/mo
Today · 4.125%
HK$72,938
baseline
▲ 0.50% · 4.625%
HK$76,783
+HK$3,845/mo
Deposit HK$9.09M · loan HK$13.64M · min. income ≈ HK$145,876/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,569
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,827
−HK$2,293/mo
Today · 4.125%
HK$77,120
baseline
▲ 0.50% · 4.625%
HK$81,813
+HK$4,693/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$154,240/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,733
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,898
−HK$2,196/mo
Today · 4.125%
HK$85,094
baseline
▲ 0.50% · 4.625%
HK$89,580
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.91M · min. income ≈ HK$170,188/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,304
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,948/mo
Today · 4.125%
HK$99,154
baseline
▲ 0.50% · 4.625%
HK$105,188
+HK$6,034/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$198,308/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,799
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,583
−HK$2,824/mo
Today · 4.125%
HK$109,407
baseline
▲ 0.50% · 4.625%
HK$115,174
+HK$5,767/mo
Deposit HK$2.27M · loan HK$20.46M · min. income ≈ HK$218,814/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,120 · Scale 2, in force from 26 Feb 2026)