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$52,281
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,653/mo
Today · 4.125%
HK$55,560
baseline
▲ 0.50% · 4.625%
HK$58,940
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,120/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,162
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,722
−HK$1,583/mo
Today · 4.125%
HK$61,305
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,610/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,737
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,689
−HK$1,983/mo
Today · 4.125%
HK$66,672
baseline
▲ 0.50% · 4.625%
HK$70,728
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,344/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,795
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$1,898/mo
Today · 4.125%
HK$73,565
baseline
▲ 0.50% · 4.625%
HK$77,443
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,130/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,194
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,470
−HK$2,313/mo
Today · 4.125%
HK$77,783
baseline
▲ 0.50% · 4.625%
HK$82,516
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,566/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,427
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,215/mo
Today · 4.125%
HK$85,826
baseline
▲ 0.50% · 4.625%
HK$90,350
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,652/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,033
−HK$2,974/mo
Today · 4.125%
HK$100,007
baseline
▲ 0.50% · 4.625%
HK$106,092
+HK$6,085/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$200,014/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,692
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,500
−HK$2,848/mo
Today · 4.125%
HK$110,348
baseline
▲ 0.50% · 4.625%
HK$116,165
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,696/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,429 · Scale 2, in force from 26 Feb 2026)