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$52,251
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,652/mo
Today · 4.125%
HK$55,528
baseline
▲ 0.50% · 4.625%
HK$58,906
+HK$3,378/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,056/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,129
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,688
−HK$1,581/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,499
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,701
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,652
−HK$1,981/mo
Today · 4.125%
HK$66,633
baseline
▲ 0.50% · 4.625%
HK$70,688
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,266/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,625
−HK$1,898/mo
Today · 4.125%
HK$73,523
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,046/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,152
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,427
−HK$2,312/mo
Today · 4.125%
HK$77,739
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,478/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,214/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,299
+HK$4,522/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,052
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,978
−HK$2,972/mo
Today · 4.125%
HK$99,950
baseline
▲ 0.50% · 4.625%
HK$106,032
+HK$6,082/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,900/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,632
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,438
−HK$2,847/mo
Today · 4.125%
HK$110,285
baseline
▲ 0.50% · 4.625%
HK$116,098
+HK$5,813/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,570/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$973,870 · Scale 2, in force from 26 Feb 2026)