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$52,163
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,785
−HK$1,649/mo
Today · 4.125%
HK$55,434
baseline
▲ 0.50% · 4.625%
HK$58,807
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,868/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,030
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,587
−HK$1,579/mo
Today · 4.125%
HK$61,166
baseline
▲ 0.50% · 4.625%
HK$64,390
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,332/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,595
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,542
−HK$1,978/mo
Today · 4.125%
HK$66,520
baseline
▲ 0.50% · 4.625%
HK$70,568
+HK$4,048/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,040/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,636
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$1,895/mo
Today · 4.125%
HK$73,399
baseline
▲ 0.50% · 4.625%
HK$77,268
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,798/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,028
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,299
−HK$2,308/mo
Today · 4.125%
HK$77,607
baseline
▲ 0.50% · 4.625%
HK$82,329
+HK$4,722/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,214/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,243
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,421
−HK$2,211/mo
Today · 4.125%
HK$85,632
baseline
▲ 0.50% · 4.625%
HK$90,146
+HK$4,514/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,264/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,893
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,813
−HK$2,968/mo
Today · 4.125%
HK$99,781
baseline
▲ 0.50% · 4.625%
HK$105,852
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,562/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,455
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,256
−HK$2,842/mo
Today · 4.125%
HK$110,098
baseline
▲ 0.50% · 4.625%
HK$115,901
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,196/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,220 · Scale 2, in force from 26 Feb 2026)