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$52,189
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,812
−HK$1,650/mo
Today · 4.125%
HK$55,462
baseline
▲ 0.50% · 4.625%
HK$58,836
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,924/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,060
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,617
−HK$1,579/mo
Today · 4.125%
HK$61,196
baseline
▲ 0.50% · 4.625%
HK$64,422
+HK$3,226/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,392/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,627
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,575
−HK$1,979/mo
Today · 4.125%
HK$66,554
baseline
▲ 0.50% · 4.625%
HK$70,603
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,108/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,671
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,540
−HK$1,896/mo
Today · 4.125%
HK$73,436
baseline
▲ 0.50% · 4.625%
HK$77,306
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,872/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,064
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,337
−HK$2,309/mo
Today · 4.125%
HK$77,646
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,292/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,283
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,463
−HK$2,212/mo
Today · 4.125%
HK$85,675
baseline
▲ 0.50% · 4.625%
HK$90,191
+HK$4,516/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,350/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,940
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,862
−HK$2,969/mo
Today · 4.125%
HK$99,831
baseline
▲ 0.50% · 4.625%
HK$105,905
+HK$6,074/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,662/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,507
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,310
−HK$2,843/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$115,960
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,709 · Scale 2, in force from 26 Feb 2026)