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$52,283
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,653/mo
Today · 4.125%
HK$55,562
baseline
▲ 0.50% · 4.625%
HK$58,942
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,124/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,583/mo
Today · 4.125%
HK$61,307
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,614/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,691
−HK$1,983/mo
Today · 4.125%
HK$66,674
baseline
▲ 0.50% · 4.625%
HK$70,731
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,348/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,797
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,669
−HK$1,899/mo
Today · 4.125%
HK$73,568
baseline
▲ 0.50% · 4.625%
HK$77,446
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,136/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,196
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,473
−HK$2,313/mo
Today · 4.125%
HK$77,786
baseline
▲ 0.50% · 4.625%
HK$82,519
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,572/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,430
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,614
−HK$2,216/mo
Today · 4.125%
HK$85,830
baseline
▲ 0.50% · 4.625%
HK$90,354
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,660/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,109
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,037
−HK$2,974/mo
Today · 4.125%
HK$100,011
baseline
▲ 0.50% · 4.625%
HK$106,096
+HK$6,085/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,022/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,696
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,504
−HK$2,848/mo
Today · 4.125%
HK$110,352
baseline
▲ 0.50% · 4.625%
HK$116,169
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,704/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,465 · Scale 2, in force from 26 Feb 2026)