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$52,144
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,766
−HK$1,648/mo
Today · 4.125%
HK$55,414
baseline
▲ 0.50% · 4.625%
HK$58,786
+HK$3,372/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$110,828/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,010
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,565
−HK$1,579/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,367
+HK$3,223/mo
Deposit HK$11.43M · loan HK$11.43M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,519
−HK$1,978/mo
Today · 4.125%
HK$66,497
baseline
▲ 0.50% · 4.625%
HK$70,543
+HK$4,046/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$132,994/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,612
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$1,893/mo
Today · 4.125%
HK$73,372
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$3,868/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,744/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,002
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,272
−HK$2,307/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$82,300
+HK$4,721/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,214
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,392
−HK$2,209/mo
Today · 4.125%
HK$85,601
baseline
▲ 0.50% · 4.625%
HK$90,113
+HK$4,512/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,202/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,859
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,779
−HK$2,966/mo
Today · 4.125%
HK$99,745
baseline
▲ 0.50% · 4.625%
HK$105,814
+HK$6,069/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$199,490/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,417
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,218
−HK$2,841/mo
Today · 4.125%
HK$110,059
baseline
▲ 0.50% · 4.625%
HK$115,860
+HK$5,801/mo
Deposit HK$2.29M · loan HK$20.58M · min. income ≈ HK$220,118/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$971,873 · Scale 2, in force from 26 Feb 2026)