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$52,196
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,649/mo
Today · 4.125%
HK$55,469
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,938/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,068
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,625
−HK$1,580/mo
Today · 4.125%
HK$61,205
baseline
▲ 0.50% · 4.625%
HK$64,431
+HK$3,226/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,410/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,636
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,584
−HK$1,979/mo
Today · 4.125%
HK$66,563
baseline
▲ 0.50% · 4.625%
HK$70,614
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$133,126/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,681
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,550
−HK$1,896/mo
Today · 4.125%
HK$73,446
baseline
▲ 0.50% · 4.625%
HK$77,318
+HK$3,872/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$146,892/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,075
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,348
−HK$2,309/mo
Today · 4.125%
HK$77,657
baseline
▲ 0.50% · 4.625%
HK$82,382
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,314/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,295
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,475
−HK$2,212/mo
Today · 4.125%
HK$85,687
baseline
▲ 0.50% · 4.625%
HK$90,204
+HK$4,517/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,374/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,953
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,876
−HK$2,969/mo
Today · 4.125%
HK$99,845
baseline
▲ 0.50% · 4.625%
HK$105,920
+HK$6,075/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,690/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,522
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,325
−HK$2,844/mo
Today · 4.125%
HK$110,169
baseline
▲ 0.50% · 4.625%
HK$115,976
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,338/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,848 · Scale 2, in force from 26 Feb 2026)