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$52,220
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,845
−HK$1,650/mo
Today · 4.125%
HK$55,495
baseline
▲ 0.50% · 4.625%
HK$58,872
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,990/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,095
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,653
−HK$1,580/mo
Today · 4.125%
HK$61,233
baseline
▲ 0.50% · 4.625%
HK$64,461
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,466/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,664
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,614
−HK$1,980/mo
Today · 4.125%
HK$66,594
baseline
▲ 0.50% · 4.625%
HK$70,646
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,188/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,713
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,583
−HK$1,897/mo
Today · 4.125%
HK$73,480
baseline
▲ 0.50% · 4.625%
HK$77,353
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,960/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,108
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,382
−HK$2,311/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,332
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,212/mo
Today · 4.125%
HK$85,726
baseline
▲ 0.50% · 4.625%
HK$90,245
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,452/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,997
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,920
−HK$2,971/mo
Today · 4.125%
HK$99,891
baseline
▲ 0.50% · 4.625%
HK$105,969
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,782/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,570
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,375
−HK$2,845/mo
Today · 4.125%
HK$110,220
baseline
▲ 0.50% · 4.625%
HK$116,030
+HK$5,810/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,440/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,295 · Scale 2, in force from 26 Feb 2026)