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$52,284
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,910
−HK$1,652/mo
Today · 4.125%
HK$55,562
baseline
▲ 0.50% · 4.625%
HK$58,943
+HK$3,381/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,124/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,165
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,582/mo
Today · 4.125%
HK$61,307
baseline
▲ 0.50% · 4.625%
HK$64,539
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,614/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,692
−HK$1,983/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,798
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,670
−HK$1,899/mo
Today · 4.125%
HK$73,569
baseline
▲ 0.50% · 4.625%
HK$77,447
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,138/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,313/mo
Today · 4.125%
HK$77,787
baseline
▲ 0.50% · 4.625%
HK$82,520
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,574/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,431
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,615
−HK$2,215/mo
Today · 4.125%
HK$85,830
baseline
▲ 0.50% · 4.625%
HK$90,355
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,660/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,110
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,038
−HK$2,974/mo
Today · 4.125%
HK$100,012
baseline
▲ 0.50% · 4.625%
HK$106,097
+HK$6,085/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,024/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,697
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,505
−HK$2,848/mo
Today · 4.125%
HK$110,353
baseline
▲ 0.50% · 4.625%
HK$116,170
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,706/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,475 · Scale 2, in force from 26 Feb 2026)