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$51,851
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,464
−HK$1,639/mo
Today · 4.125%
HK$55,103
baseline
▲ 0.50% · 4.625%
HK$58,456
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,206/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,684
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,231
−HK$1,569/mo
Today · 4.125%
HK$60,800
baseline
▲ 0.50% · 4.625%
HK$64,005
+HK$3,205/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,600/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,966/mo
Today · 4.125%
HK$66,123
baseline
▲ 0.50% · 4.625%
HK$70,147
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$132,246/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,221
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,077
−HK$1,883/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$76,806
+HK$3,846/mo
Deposit HK$9.10M · loan HK$13.64M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,592
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,850
−HK$2,294/mo
Today · 4.125%
HK$77,144
baseline
▲ 0.50% · 4.625%
HK$81,838
+HK$4,694/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,288/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,757
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,923
−HK$2,198/mo
Today · 4.125%
HK$85,121
baseline
▲ 0.50% · 4.625%
HK$89,607
+HK$4,486/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,242/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,332
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,235
−HK$2,950/mo
Today · 4.125%
HK$99,185
baseline
▲ 0.50% · 4.625%
HK$105,220
+HK$6,035/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,370/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,831
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,616
−HK$2,825/mo
Today · 4.125%
HK$109,441
baseline
▲ 0.50% · 4.625%
HK$115,210
+HK$5,769/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,882/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,416 · Scale 2, in force from 26 Feb 2026)