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$52,218
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,650/mo
Today · 4.125%
HK$55,492
baseline
▲ 0.50% · 4.625%
HK$58,869
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,984/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,092
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,650
−HK$1,580/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,458
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,662
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,611
−HK$1,980/mo
Today · 4.125%
HK$66,591
baseline
▲ 0.50% · 4.625%
HK$70,643
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,182/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,710
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,580
−HK$1,897/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,350
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,105
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,379
−HK$2,310/mo
Today · 4.125%
HK$77,689
baseline
▲ 0.50% · 4.625%
HK$82,417
+HK$4,728/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,378/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,329
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,510
−HK$2,213/mo
Today · 4.125%
HK$85,723
baseline
▲ 0.50% · 4.625%
HK$90,241
+HK$4,518/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,446/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,916
−HK$2,970/mo
Today · 4.125%
HK$99,886
baseline
▲ 0.50% · 4.625%
HK$105,964
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,772/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,565
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,370
−HK$2,845/mo
Today · 4.125%
HK$110,215
baseline
▲ 0.50% · 4.625%
HK$116,024
+HK$5,809/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,430/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,251 · Scale 2, in force from 26 Feb 2026)