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$52,228
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,853
−HK$1,651/mo
Today · 4.125%
HK$55,504
baseline
▲ 0.50% · 4.625%
HK$58,881
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,008/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,104
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,662
−HK$1,581/mo
Today · 4.125%
HK$61,243
baseline
▲ 0.50% · 4.625%
HK$64,471
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,486/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,674
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,624
−HK$1,980/mo
Today · 4.125%
HK$66,604
baseline
▲ 0.50% · 4.625%
HK$70,657
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,208/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,724
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$1,897/mo
Today · 4.125%
HK$73,491
baseline
▲ 0.50% · 4.625%
HK$77,365
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,982/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,120
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,394
−HK$2,311/mo
Today · 4.125%
HK$77,705
baseline
▲ 0.50% · 4.625%
HK$82,433
+HK$4,728/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,410/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,345
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,527
−HK$2,213/mo
Today · 4.125%
HK$85,740
baseline
▲ 0.50% · 4.625%
HK$90,259
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,480/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,011
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,936
−HK$2,971/mo
Today · 4.125%
HK$99,907
baseline
▲ 0.50% · 4.625%
HK$105,986
+HK$6,079/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,814/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,587
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,392
−HK$2,845/mo
Today · 4.125%
HK$110,237
baseline
▲ 0.50% · 4.625%
HK$116,048
+HK$5,811/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,474/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,448 · Scale 2, in force from 26 Feb 2026)