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$52,197
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,821
−HK$1,649/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,846
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,069
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,626
−HK$1,580/mo
Today · 4.125%
HK$61,206
baseline
▲ 0.50% · 4.625%
HK$64,432
+HK$3,226/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,412/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,637
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,585
−HK$1,979/mo
Today · 4.125%
HK$66,564
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$133,128/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,683
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,551
−HK$1,896/mo
Today · 4.125%
HK$73,447
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$3,872/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$146,894/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,076
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,349
−HK$2,309/mo
Today · 4.125%
HK$77,658
baseline
▲ 0.50% · 4.625%
HK$82,384
+HK$4,726/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,316/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,296
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,477
−HK$2,211/mo
Today · 4.125%
HK$85,688
baseline
▲ 0.50% · 4.625%
HK$90,205
+HK$4,517/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,376/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,955
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,877
−HK$2,970/mo
Today · 4.125%
HK$99,847
baseline
▲ 0.50% · 4.625%
HK$105,922
+HK$6,075/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,694/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,524
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,327
−HK$2,844/mo
Today · 4.125%
HK$110,171
baseline
▲ 0.50% · 4.625%
HK$115,978
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,342/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,864 · Scale 2, in force from 26 Feb 2026)