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$52,242
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,651/mo
Today · 4.125%
HK$55,518
baseline
▲ 0.50% · 4.625%
HK$58,896
+HK$3,378/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,036/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,678
−HK$1,581/mo
Today · 4.125%
HK$61,259
baseline
▲ 0.50% · 4.625%
HK$64,488
+HK$3,229/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,518/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,691
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,641
−HK$1,981/mo
Today · 4.125%
HK$66,622
baseline
▲ 0.50% · 4.625%
HK$70,676
+HK$4,054/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,244/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,743
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,613
−HK$1,898/mo
Today · 4.125%
HK$73,511
baseline
▲ 0.50% · 4.625%
HK$77,385
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,022/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,139
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,414
−HK$2,311/mo
Today · 4.125%
HK$77,725
baseline
▲ 0.50% · 4.625%
HK$82,455
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,450/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,366
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,549
−HK$2,213/mo
Today · 4.125%
HK$85,762
baseline
▲ 0.50% · 4.625%
HK$90,283
+HK$4,521/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,524/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,036
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,961
−HK$2,972/mo
Today · 4.125%
HK$99,933
baseline
▲ 0.50% · 4.625%
HK$106,013
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,866/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,614
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,420
−HK$2,846/mo
Today · 4.125%
HK$110,266
baseline
▲ 0.50% · 4.625%
HK$116,078
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,532/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,702 · Scale 2, in force from 26 Feb 2026)