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$52,309
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,937
−HK$1,653/mo
Today · 4.125%
HK$55,590
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,180/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,194
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,584/mo
Today · 4.125%
HK$61,338
baseline
▲ 0.50% · 4.625%
HK$64,571
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,676/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,771
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,724
−HK$1,984/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,767
+HK$4,059/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,832
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,705
−HK$1,900/mo
Today · 4.125%
HK$73,605
baseline
▲ 0.50% · 4.625%
HK$77,485
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$147,210/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,233
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,511
−HK$2,315/mo
Today · 4.125%
HK$77,826
baseline
▲ 0.50% · 4.625%
HK$82,561
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,652/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,471
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,656
−HK$2,217/mo
Today · 4.125%
HK$85,873
baseline
▲ 0.50% · 4.625%
HK$90,399
+HK$4,526/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,746/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,157
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,086
−HK$2,975/mo
Today · 4.125%
HK$100,061
baseline
▲ 0.50% · 4.625%
HK$106,150
+HK$6,089/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,122/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,749
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,558
−HK$2,850/mo
Today · 4.125%
HK$110,408
baseline
▲ 0.50% · 4.625%
HK$116,228
+HK$5,820/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,816/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,957 · Scale 2, in force from 26 Feb 2026)