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$52,295
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,653/mo
Today · 4.125%
HK$55,575
baseline
▲ 0.50% · 4.625%
HK$58,956
+HK$3,381/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,150/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,178
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,738
−HK$1,583/mo
Today · 4.125%
HK$61,321
baseline
▲ 0.50% · 4.625%
HK$64,553
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,642/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,754
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,706
−HK$1,984/mo
Today · 4.125%
HK$66,690
baseline
▲ 0.50% · 4.625%
HK$70,747
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,380/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,814
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,686
−HK$1,899/mo
Today · 4.125%
HK$73,585
baseline
▲ 0.50% · 4.625%
HK$77,464
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,170/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,213
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,313/mo
Today · 4.125%
HK$77,804
baseline
▲ 0.50% · 4.625%
HK$82,539
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,608/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,449
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,634
−HK$2,216/mo
Today · 4.125%
HK$85,850
baseline
▲ 0.50% · 4.625%
HK$90,375
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,700/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,131
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,060
−HK$2,974/mo
Today · 4.125%
HK$100,034
baseline
▲ 0.50% · 4.625%
HK$106,121
+HK$6,087/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,068/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,720
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,529
−HK$2,849/mo
Today · 4.125%
HK$110,378
baseline
▲ 0.50% · 4.625%
HK$116,196
+HK$5,818/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,756/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,693 · Scale 2, in force from 26 Feb 2026)