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$52,288
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,915
−HK$1,652/mo
Today · 4.125%
HK$55,567
baseline
▲ 0.50% · 4.625%
HK$58,948
+HK$3,381/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,134/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,170
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,730
−HK$1,583/mo
Today · 4.125%
HK$61,313
baseline
▲ 0.50% · 4.625%
HK$64,545
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,626/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,746
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,698
−HK$1,982/mo
Today · 4.125%
HK$66,680
baseline
▲ 0.50% · 4.625%
HK$70,738
+HK$4,058/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,360/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,804
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,676
−HK$1,899/mo
Today · 4.125%
HK$73,575
baseline
▲ 0.50% · 4.625%
HK$77,454
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,150/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,203
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,314/mo
Today · 4.125%
HK$77,794
baseline
▲ 0.50% · 4.625%
HK$82,527
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,588/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,438
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,622
−HK$2,216/mo
Today · 4.125%
HK$85,838
baseline
▲ 0.50% · 4.625%
HK$90,363
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,676/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,119
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,046
−HK$2,975/mo
Today · 4.125%
HK$100,021
baseline
▲ 0.50% · 4.625%
HK$106,107
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,042/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,706
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,514
−HK$2,849/mo
Today · 4.125%
HK$110,363
baseline
▲ 0.50% · 4.625%
HK$116,180
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,726/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,560 · Scale 2, in force from 26 Feb 2026)