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$51,758
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,368
−HK$1,636/mo
Today · 4.125%
HK$55,004
baseline
▲ 0.50% · 4.625%
HK$58,351
+HK$3,347/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$110,008/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,581
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,566/mo
Today · 4.125%
HK$60,691
baseline
▲ 0.50% · 4.625%
HK$63,891
+HK$3,200/mo
Deposit HK$11.35M · loan HK$11.35M · min. income ≈ HK$121,382/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,042
−HK$1,963/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$70,021
+HK$4,016/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,097
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,950
−HK$1,880/mo
Today · 4.125%
HK$72,830
baseline
▲ 0.50% · 4.625%
HK$76,669
+HK$3,839/mo
Deposit HK$9.08M · loan HK$13.62M · min. income ≈ HK$145,660/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,462
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,716
−HK$2,290/mo
Today · 4.125%
HK$77,006
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,685/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$154,012/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,613
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,775
−HK$2,193/mo
Today · 4.125%
HK$84,968
baseline
▲ 0.50% · 4.625%
HK$89,447
+HK$4,479/mo
Deposit HK$6.81M · loan HK$15.89M · min. income ≈ HK$169,936/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,165
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,063
−HK$2,944/mo
Today · 4.125%
HK$99,007
baseline
▲ 0.50% · 4.625%
HK$105,032
+HK$6,025/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$198,014/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,645
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,425
−HK$2,820/mo
Today · 4.125%
HK$109,245
baseline
▲ 0.50% · 4.625%
HK$115,003
+HK$5,758/mo
Deposit HK$2.27M · loan HK$20.43M · min. income ≈ HK$218,490/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$964,685 · Scale 2, in force from 26 Feb 2026)