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$52,232
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,857
−HK$1,650/mo
Today · 4.125%
HK$55,507
baseline
▲ 0.50% · 4.625%
HK$58,885
+HK$3,378/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,014/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,666
−HK$1,581/mo
Today · 4.125%
HK$61,247
baseline
▲ 0.50% · 4.625%
HK$64,475
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,494/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,628
−HK$1,981/mo
Today · 4.125%
HK$66,609
baseline
▲ 0.50% · 4.625%
HK$70,662
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,218/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,729
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,599
−HK$1,897/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,370
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$2,311/mo
Today · 4.125%
HK$77,710
baseline
▲ 0.50% · 4.625%
HK$82,439
+HK$4,729/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,420/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,213/mo
Today · 4.125%
HK$85,745
baseline
▲ 0.50% · 4.625%
HK$90,265
+HK$4,520/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,490/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,017
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,942
−HK$2,971/mo
Today · 4.125%
HK$99,913
baseline
▲ 0.50% · 4.625%
HK$105,993
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,826/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,593
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,398
−HK$2,846/mo
Today · 4.125%
HK$110,244
baseline
▲ 0.50% · 4.625%
HK$116,055
+HK$5,811/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,488/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,511 · Scale 2, in force from 26 Feb 2026)