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$52,265
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,891
−HK$1,651/mo
Today · 4.125%
HK$55,542
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,084/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,144
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,582/mo
Today · 4.125%
HK$61,285
baseline
▲ 0.50% · 4.625%
HK$64,516
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,570/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,718
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,669
−HK$1,982/mo
Today · 4.125%
HK$66,651
baseline
▲ 0.50% · 4.625%
HK$70,706
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,302/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,773
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,644
−HK$1,899/mo
Today · 4.125%
HK$73,543
baseline
▲ 0.50% · 4.625%
HK$77,419
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,086/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,171
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,447
−HK$2,312/mo
Today · 4.125%
HK$77,759
baseline
▲ 0.50% · 4.625%
HK$82,491
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,518/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,402
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,585
−HK$2,215/mo
Today · 4.125%
HK$85,800
baseline
▲ 0.50% · 4.625%
HK$90,322
+HK$4,522/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,600/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,077
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$97,003
−HK$2,973/mo
Today · 4.125%
HK$99,976
baseline
▲ 0.50% · 4.625%
HK$106,059
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,952/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,659
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,466
−HK$2,848/mo
Today · 4.125%
HK$110,314
baseline
▲ 0.50% · 4.625%
HK$116,129
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,628/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,126 · Scale 2, in force from 26 Feb 2026)