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$52,191
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,814
−HK$1,650/mo
Today · 4.125%
HK$55,464
baseline
▲ 0.50% · 4.625%
HK$58,838
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,928/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,062
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,619
−HK$1,580/mo
Today · 4.125%
HK$61,199
baseline
▲ 0.50% · 4.625%
HK$64,424
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,398/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,629
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,577
−HK$1,979/mo
Today · 4.125%
HK$66,556
baseline
▲ 0.50% · 4.625%
HK$70,606
+HK$4,050/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$133,112/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,674
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,543
−HK$1,895/mo
Today · 4.125%
HK$73,438
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$3,871/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$146,876/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,067
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,340
−HK$2,309/mo
Today · 4.125%
HK$77,649
baseline
▲ 0.50% · 4.625%
HK$82,374
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,298/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,286
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,466
−HK$2,212/mo
Today · 4.125%
HK$85,678
baseline
▲ 0.50% · 4.625%
HK$90,194
+HK$4,516/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,356/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,943
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,866
−HK$2,968/mo
Today · 4.125%
HK$99,834
baseline
▲ 0.50% · 4.625%
HK$105,909
+HK$6,075/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,668/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,511
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,314
−HK$2,843/mo
Today · 4.125%
HK$110,157
baseline
▲ 0.50% · 4.625%
HK$115,964
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,314/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,745 · Scale 2, in force from 26 Feb 2026)