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$52,303
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,930
−HK$1,653/mo
Today · 4.125%
HK$55,583
baseline
▲ 0.50% · 4.625%
HK$58,965
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,166/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,187
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,747
−HK$1,583/mo
Today · 4.125%
HK$61,330
baseline
▲ 0.50% · 4.625%
HK$64,563
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,660/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,764
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,716
−HK$1,984/mo
Today · 4.125%
HK$66,700
baseline
▲ 0.50% · 4.625%
HK$70,758
+HK$4,058/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,400/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,824
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,697
−HK$1,900/mo
Today · 4.125%
HK$73,597
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,194/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,225
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,502
−HK$2,314/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$82,551
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,462
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,646
−HK$2,217/mo
Today · 4.125%
HK$85,863
baseline
▲ 0.50% · 4.625%
HK$90,389
+HK$4,526/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,726/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,146
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,074
−HK$2,976/mo
Today · 4.125%
HK$100,050
baseline
▲ 0.50% · 4.625%
HK$106,137
+HK$6,087/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,100/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,736
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,545
−HK$2,850/mo
Today · 4.125%
HK$110,395
baseline
▲ 0.50% · 4.625%
HK$116,214
+HK$5,819/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,790/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,841 · Scale 2, in force from 26 Feb 2026)