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$52,265
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,652/mo
Today · 4.125%
HK$55,542
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,084/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,144
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,703
−HK$1,582/mo
Today · 4.125%
HK$61,285
baseline
▲ 0.50% · 4.625%
HK$64,516
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,570/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,717
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,668
−HK$1,982/mo
Today · 4.125%
HK$66,650
baseline
▲ 0.50% · 4.625%
HK$70,706
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,300/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,773
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,644
−HK$1,898/mo
Today · 4.125%
HK$73,542
baseline
▲ 0.50% · 4.625%
HK$77,419
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,084/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,170
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,446
−HK$2,313/mo
Today · 4.125%
HK$77,759
baseline
▲ 0.50% · 4.625%
HK$82,490
+HK$4,731/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,518/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,401
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,584
−HK$2,215/mo
Today · 4.125%
HK$85,799
baseline
▲ 0.50% · 4.625%
HK$90,322
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,598/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,076
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,002
−HK$2,974/mo
Today · 4.125%
HK$99,976
baseline
▲ 0.50% · 4.625%
HK$106,059
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,952/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,659
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,466
−HK$2,847/mo
Today · 4.125%
HK$110,313
baseline
▲ 0.50% · 4.625%
HK$116,128
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,626/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,120 · Scale 2, in force from 26 Feb 2026)