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$52,262
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,888
−HK$1,651/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,919
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,141
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,700
−HK$1,582/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$64,512
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,714
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,665
−HK$1,982/mo
Today · 4.125%
HK$66,647
baseline
▲ 0.50% · 4.625%
HK$70,702
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,294/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,769
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,640
−HK$1,898/mo
Today · 4.125%
HK$73,538
baseline
▲ 0.50% · 4.625%
HK$77,415
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,076/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,443
−HK$2,312/mo
Today · 4.125%
HK$77,755
baseline
▲ 0.50% · 4.625%
HK$82,486
+HK$4,731/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,510/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,397
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,580
−HK$2,215/mo
Today · 4.125%
HK$85,795
baseline
▲ 0.50% · 4.625%
HK$90,317
+HK$4,522/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,590/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,071
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$96,998
−HK$2,973/mo
Today · 4.125%
HK$99,971
baseline
▲ 0.50% · 4.625%
HK$106,054
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,942/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,654
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,460
−HK$2,848/mo
Today · 4.125%
HK$110,308
baseline
▲ 0.50% · 4.625%
HK$116,122
+HK$5,814/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,616/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,072 · Scale 2, in force from 26 Feb 2026)