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$52,272
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,898
−HK$1,652/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,930
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,153
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,712
−HK$1,582/mo
Today · 4.125%
HK$61,294
baseline
▲ 0.50% · 4.625%
HK$64,525
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,588/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,727
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,678
−HK$1,982/mo
Today · 4.125%
HK$66,660
baseline
▲ 0.50% · 4.625%
HK$70,717
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,320/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,783
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,655
−HK$1,898/mo
Today · 4.125%
HK$73,553
baseline
▲ 0.50% · 4.625%
HK$77,430
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,106/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,181
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,458
−HK$2,313/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$82,503
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,414
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,597
−HK$2,215/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$90,335
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,090
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,017
−HK$2,974/mo
Today · 4.125%
HK$99,991
baseline
▲ 0.50% · 4.625%
HK$106,075
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,982/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,675
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,482
−HK$2,848/mo
Today · 4.125%
HK$110,330
baseline
▲ 0.50% · 4.625%
HK$116,145
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,660/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,267 · Scale 2, in force from 26 Feb 2026)