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$52,202
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,826
−HK$1,650/mo
Today · 4.125%
HK$55,476
baseline
▲ 0.50% · 4.625%
HK$58,851
+HK$3,375/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,952/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,075
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,632
−HK$1,580/mo
Today · 4.125%
HK$61,212
baseline
▲ 0.50% · 4.625%
HK$64,439
+HK$3,227/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,424/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,643
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,591
−HK$1,980/mo
Today · 4.125%
HK$66,571
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,142/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,689
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,558
−HK$1,897/mo
Today · 4.125%
HK$73,455
baseline
▲ 0.50% · 4.625%
HK$77,326
+HK$3,871/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,910/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,083
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,356
−HK$2,310/mo
Today · 4.125%
HK$77,666
baseline
▲ 0.50% · 4.625%
HK$82,392
+HK$4,726/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,332/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,304
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,485
−HK$2,212/mo
Today · 4.125%
HK$85,697
baseline
▲ 0.50% · 4.625%
HK$90,214
+HK$4,517/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,394/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,964
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,887
−HK$2,969/mo
Today · 4.125%
HK$99,856
baseline
▲ 0.50% · 4.625%
HK$105,932
+HK$6,076/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,712/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,534
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,338
−HK$2,844/mo
Today · 4.125%
HK$110,182
baseline
▲ 0.50% · 4.625%
HK$115,990
+HK$5,808/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,364/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,960 · Scale 2, in force from 26 Feb 2026)