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$3,254/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,640/mo
Today · 4.125%
HK$55,140
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$3,355/mo
Deposit HK$11.38M · loan HK$11.38M · min. income ≈ HK$110,280/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,723
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,271
−HK$1,570/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$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,263
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,968/mo
Today · 4.125%
HK$66,168
baseline
▲ 0.50% · 4.625%
HK$70,194
+HK$4,026/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,336/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,267
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,125
−HK$1,885/mo
Today · 4.125%
HK$73,010
baseline
▲ 0.50% · 4.625%
HK$76,858
+HK$3,848/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$146,020/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,641
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,900
−HK$2,296/mo
Today · 4.125%
HK$77,196
baseline
▲ 0.50% · 4.625%
HK$81,893
+HK$4,697/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$154,392/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,812
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,979
−HK$2,199/mo
Today · 4.125%
HK$85,178
baseline
▲ 0.50% · 4.625%
HK$89,668
+HK$4,490/mo
Deposit HK$6.83M · loan HK$15.93M · min. income ≈ HK$170,356/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,395
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,300
−HK$2,952/mo
Today · 4.125%
HK$99,252
baseline
▲ 0.50% · 4.625%
HK$105,291
+HK$6,039/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$198,504/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,901
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,688
−HK$2,827/mo
Today · 4.125%
HK$109,515
baseline
▲ 0.50% · 4.625%
HK$115,287
+HK$5,772/mo
Deposit HK$2.28M · loan HK$20.48M · min. income ≈ HK$219,030/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$967,068 · Scale 2, in force from 26 Feb 2026)