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$52,227
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,851
−HK$1,651/mo
Today · 4.125%
HK$55,502
baseline
▲ 0.50% · 4.625%
HK$58,879
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,004/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,101
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,660
−HK$1,581/mo
Today · 4.125%
HK$61,241
baseline
▲ 0.50% · 4.625%
HK$64,469
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,482/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,672
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,981/mo
Today · 4.125%
HK$66,602
baseline
▲ 0.50% · 4.625%
HK$70,654
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,204/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,722
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,592
−HK$1,897/mo
Today · 4.125%
HK$73,489
baseline
▲ 0.50% · 4.625%
HK$77,362
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,978/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,117
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,392
−HK$2,310/mo
Today · 4.125%
HK$77,702
baseline
▲ 0.50% · 4.625%
HK$82,430
+HK$4,728/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,404/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,342
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,524
−HK$2,213/mo
Today · 4.125%
HK$85,737
baseline
▲ 0.50% · 4.625%
HK$90,256
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,474/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,008
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,932
−HK$2,971/mo
Today · 4.125%
HK$99,903
baseline
▲ 0.50% · 4.625%
HK$105,982
+HK$6,079/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,806/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,583
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,388
−HK$2,845/mo
Today · 4.125%
HK$110,233
baseline
▲ 0.50% · 4.625%
HK$116,044
+HK$5,811/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,466/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,412 · Scale 2, in force from 26 Feb 2026)