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$52,193
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,817
−HK$1,649/mo
Today · 4.125%
HK$55,466
baseline
▲ 0.50% · 4.625%
HK$58,841
+HK$3,375/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,932/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,065
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,622
−HK$1,580/mo
Today · 4.125%
HK$61,202
baseline
▲ 0.50% · 4.625%
HK$64,428
+HK$3,226/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,404/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,632
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,580
−HK$1,980/mo
Today · 4.125%
HK$66,560
baseline
▲ 0.50% · 4.625%
HK$70,610
+HK$4,050/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$133,120/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,678
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$1,896/mo
Today · 4.125%
HK$73,442
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$3,871/mo
Deposit HK$9.16M · loan HK$13.73M · min. income ≈ HK$146,884/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,071
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,344
−HK$2,309/mo
Today · 4.125%
HK$77,653
baseline
▲ 0.50% · 4.625%
HK$82,378
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,306/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,291
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,471
−HK$2,212/mo
Today · 4.125%
HK$85,683
baseline
▲ 0.50% · 4.625%
HK$90,199
+HK$4,516/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,366/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,948
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,871
−HK$2,969/mo
Today · 4.125%
HK$99,840
baseline
▲ 0.50% · 4.625%
HK$105,915
+HK$6,075/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,680/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,517
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,320
−HK$2,843/mo
Today · 4.125%
HK$110,163
baseline
▲ 0.50% · 4.625%
HK$115,970
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,326/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,796 · Scale 2, in force from 26 Feb 2026)