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$52,234
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,859
−HK$1,650/mo
Today · 4.125%
HK$55,509
baseline
▲ 0.50% · 4.625%
HK$58,887
+HK$3,378/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,018/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,110
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,668
−HK$1,581/mo
Today · 4.125%
HK$61,249
baseline
▲ 0.50% · 4.625%
HK$64,478
+HK$3,229/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,498/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,681
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,630
−HK$1,981/mo
Today · 4.125%
HK$66,611
baseline
▲ 0.50% · 4.625%
HK$70,665
+HK$4,054/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,222/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,732
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,602
−HK$1,897/mo
Today · 4.125%
HK$73,499
baseline
▲ 0.50% · 4.625%
HK$77,373
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,998/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,128
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,402
−HK$2,311/mo
Today · 4.125%
HK$77,713
baseline
▲ 0.50% · 4.625%
HK$82,442
+HK$4,729/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,426/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,536
−HK$2,213/mo
Today · 4.125%
HK$85,749
baseline
▲ 0.50% · 4.625%
HK$90,269
+HK$4,520/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,498/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,021
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,946
−HK$2,971/mo
Today · 4.125%
HK$99,917
baseline
▲ 0.50% · 4.625%
HK$105,997
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,834/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,598
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,403
−HK$2,846/mo
Today · 4.125%
HK$110,249
baseline
▲ 0.50% · 4.625%
HK$116,060
+HK$5,811/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,498/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,550 · Scale 2, in force from 26 Feb 2026)