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$52,286
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,912
−HK$1,653/mo
Today · 4.125%
HK$55,565
baseline
▲ 0.50% · 4.625%
HK$58,946
+HK$3,381/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,130/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,167
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,727
−HK$1,583/mo
Today · 4.125%
HK$61,310
baseline
▲ 0.50% · 4.625%
HK$64,542
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,620/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,743
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,983/mo
Today · 4.125%
HK$66,678
baseline
▲ 0.50% · 4.625%
HK$70,735
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,356/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,801
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,673
−HK$1,899/mo
Today · 4.125%
HK$73,572
baseline
▲ 0.50% · 4.625%
HK$77,450
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,144/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,200
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,477
−HK$2,313/mo
Today · 4.125%
HK$77,790
baseline
▲ 0.50% · 4.625%
HK$82,524
+HK$4,734/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$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,434
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,618
−HK$2,216/mo
Today · 4.125%
HK$85,834
baseline
▲ 0.50% · 4.625%
HK$90,359
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,668/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,115
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,042
−HK$2,974/mo
Today · 4.125%
HK$100,016
baseline
▲ 0.50% · 4.625%
HK$106,102
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,032/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,701
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,509
−HK$2,849/mo
Today · 4.125%
HK$110,358
baseline
▲ 0.50% · 4.625%
HK$116,175
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,716/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,517 · Scale 2, in force from 26 Feb 2026)