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$51,868
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,481
−HK$1,640/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,474
+HK$3,353/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,703
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,250
−HK$1,570/mo
Today · 4.125%
HK$60,820
baseline
▲ 0.50% · 4.625%
HK$64,026
+HK$3,206/mo
Deposit HK$11.37M · loan HK$11.37M · min. income ≈ HK$121,640/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,242
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,178
−HK$1,967/mo
Today · 4.125%
HK$66,145
baseline
▲ 0.50% · 4.625%
HK$70,169
+HK$4,024/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$132,290/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,243
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,100
−HK$1,884/mo
Today · 4.125%
HK$72,984
baseline
▲ 0.50% · 4.625%
HK$76,831
+HK$3,847/mo
Deposit HK$9.10M · loan HK$13.65M · min. income ≈ HK$145,968/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,615
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,874
−HK$2,295/mo
Today · 4.125%
HK$77,169
baseline
▲ 0.50% · 4.625%
HK$81,864
+HK$4,695/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$154,338/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,784
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,950
−HK$2,198/mo
Today · 4.125%
HK$85,148
baseline
▲ 0.50% · 4.625%
HK$89,636
+HK$4,488/mo
Deposit HK$6.82M · loan HK$15.92M · min. income ≈ HK$170,296/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,362
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,951/mo
Today · 4.125%
HK$99,217
baseline
▲ 0.50% · 4.625%
HK$105,254
+HK$6,037/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$198,434/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,865
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,650
−HK$2,826/mo
Today · 4.125%
HK$109,476
baseline
▲ 0.50% · 4.625%
HK$115,247
+HK$5,771/mo
Deposit HK$2.27M · loan HK$20.47M · min. income ≈ HK$218,952/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$966,729 · Scale 2, in force from 26 Feb 2026)