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$52,294
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,921
−HK$1,652/mo
Today · 4.125%
HK$55,573
baseline
▲ 0.50% · 4.625%
HK$58,955
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,146/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,177
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,737
−HK$1,583/mo
Today · 4.125%
HK$61,320
baseline
▲ 0.50% · 4.625%
HK$64,552
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,640/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,753
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,705
−HK$1,983/mo
Today · 4.125%
HK$66,688
baseline
▲ 0.50% · 4.625%
HK$70,746
+HK$4,058/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,376/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,812
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,684
−HK$1,900/mo
Today · 4.125%
HK$73,584
baseline
▲ 0.50% · 4.625%
HK$77,462
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,168/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,212
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,489
−HK$2,314/mo
Today · 4.125%
HK$77,803
baseline
▲ 0.50% · 4.625%
HK$82,537
+HK$4,734/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,606/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,447
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,632
−HK$2,216/mo
Today · 4.125%
HK$85,848
baseline
▲ 0.50% · 4.625%
HK$90,373
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,696/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,129
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,057
−HK$2,975/mo
Today · 4.125%
HK$100,032
baseline
▲ 0.50% · 4.625%
HK$106,119
+HK$6,087/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,064/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,718
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,527
−HK$2,849/mo
Today · 4.125%
HK$110,376
baseline
▲ 0.50% · 4.625%
HK$116,194
+HK$5,818/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,752/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,672 · Scale 2, in force from 26 Feb 2026)