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$52,212
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,836
−HK$1,650/mo
Today · 4.125%
HK$55,486
baseline
▲ 0.50% · 4.625%
HK$58,862
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,972/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,085
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,643
−HK$1,580/mo
Today · 4.125%
HK$61,223
baseline
▲ 0.50% · 4.625%
HK$64,450
+HK$3,227/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,446/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,654
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,603
−HK$1,980/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,634
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,702
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,571
−HK$1,897/mo
Today · 4.125%
HK$73,468
baseline
▲ 0.50% · 4.625%
HK$77,340
+HK$3,872/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,936/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,096
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,370
−HK$2,310/mo
Today · 4.125%
HK$77,680
baseline
▲ 0.50% · 4.625%
HK$82,407
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,360/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,319
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,500
−HK$2,212/mo
Today · 4.125%
HK$85,712
baseline
▲ 0.50% · 4.625%
HK$90,230
+HK$4,518/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,424/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,981
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,904
−HK$2,970/mo
Today · 4.125%
HK$99,874
baseline
▲ 0.50% · 4.625%
HK$105,951
+HK$6,077/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,748/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,553
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,357
−HK$2,845/mo
Today · 4.125%
HK$110,202
baseline
▲ 0.50% · 4.625%
HK$116,010
+HK$5,808/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,404/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,134 · Scale 2, in force from 26 Feb 2026)