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$52,285
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,912
−HK$1,652/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,945
+HK$3,381/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,167
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,727
−HK$1,582/mo
Today · 4.125%
HK$61,309
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,618/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,742
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,694
−HK$1,983/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,734
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,354/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,800
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,672
−HK$1,899/mo
Today · 4.125%
HK$73,571
baseline
▲ 0.50% · 4.625%
HK$77,449
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,142/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,199
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,476
−HK$2,314/mo
Today · 4.125%
HK$77,790
baseline
▲ 0.50% · 4.625%
HK$82,523
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,580/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,433
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,617
−HK$2,216/mo
Today · 4.125%
HK$85,833
baseline
▲ 0.50% · 4.625%
HK$90,357
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,666/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,113
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,041
−HK$2,974/mo
Today · 4.125%
HK$100,015
baseline
▲ 0.50% · 4.625%
HK$106,101
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,030/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,700
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,508
−HK$2,849/mo
Today · 4.125%
HK$110,357
baseline
▲ 0.50% · 4.625%
HK$116,174
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,714/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,506 · Scale 2, in force from 26 Feb 2026)