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$52,270
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,896
−HK$1,652/mo
Today · 4.125%
HK$55,548
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,096/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,150
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,709
−HK$1,582/mo
Today · 4.125%
HK$61,291
baseline
▲ 0.50% · 4.625%
HK$64,522
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,582/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,982/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,713
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,780
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,651
−HK$1,899/mo
Today · 4.125%
HK$73,550
baseline
▲ 0.50% · 4.625%
HK$77,427
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,100/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,178
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,454
−HK$2,313/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$82,499
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,410
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,593
−HK$2,215/mo
Today · 4.125%
HK$85,808
baseline
▲ 0.50% · 4.625%
HK$90,331
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,616/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,086
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,013
−HK$2,973/mo
Today · 4.125%
HK$99,986
baseline
▲ 0.50% · 4.625%
HK$106,070
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,972/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,670
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,477
−HK$2,848/mo
Today · 4.125%
HK$110,325
baseline
▲ 0.50% · 4.625%
HK$116,140
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,650/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,222 · Scale 2, in force from 26 Feb 2026)