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$52,238
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,863
−HK$1,651/mo
Today · 4.125%
HK$55,514
baseline
▲ 0.50% · 4.625%
HK$58,892
+HK$3,378/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,028/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,673
−HK$1,581/mo
Today · 4.125%
HK$61,254
baseline
▲ 0.50% · 4.625%
HK$64,483
+HK$3,229/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,508/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,686
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,636
−HK$1,981/mo
Today · 4.125%
HK$66,617
baseline
▲ 0.50% · 4.625%
HK$70,670
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,234/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,608
−HK$1,897/mo
Today · 4.125%
HK$73,505
baseline
▲ 0.50% · 4.625%
HK$77,380
+HK$3,875/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,010/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,134
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,409
−HK$2,311/mo
Today · 4.125%
HK$77,720
baseline
▲ 0.50% · 4.625%
HK$82,449
+HK$4,729/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,440/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,360
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,543
−HK$2,213/mo
Today · 4.125%
HK$85,756
baseline
▲ 0.50% · 4.625%
HK$90,276
+HK$4,520/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,512/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,029
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,954
−HK$2,971/mo
Today · 4.125%
HK$99,925
baseline
▲ 0.50% · 4.625%
HK$106,006
+HK$6,081/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,850/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,606
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,412
−HK$2,846/mo
Today · 4.125%
HK$110,258
baseline
▲ 0.50% · 4.625%
HK$116,070
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,516/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,632 · Scale 2, in force from 26 Feb 2026)