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$52,219
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,844
−HK$1,650/mo
Today · 4.125%
HK$55,494
baseline
▲ 0.50% · 4.625%
HK$58,871
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,988/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,093
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,580/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,663
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,981/mo
Today · 4.125%
HK$66,593
baseline
▲ 0.50% · 4.625%
HK$70,645
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,186/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,712
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,582
−HK$1,897/mo
Today · 4.125%
HK$73,479
baseline
▲ 0.50% · 4.625%
HK$77,352
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,958/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,107
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$2,311/mo
Today · 4.125%
HK$77,692
baseline
▲ 0.50% · 4.625%
HK$82,419
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,384/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,331
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,213/mo
Today · 4.125%
HK$85,725
baseline
▲ 0.50% · 4.625%
HK$90,244
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,450/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,995
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,919
−HK$2,970/mo
Today · 4.125%
HK$99,889
baseline
▲ 0.50% · 4.625%
HK$105,967
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,778/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,568
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,373
−HK$2,845/mo
Today · 4.125%
HK$110,218
baseline
▲ 0.50% · 4.625%
HK$116,027
+HK$5,809/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,436/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,278 · Scale 2, in force from 26 Feb 2026)