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$52,269
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,894
−HK$1,652/mo
Today · 4.125%
HK$55,546
baseline
▲ 0.50% · 4.625%
HK$58,926
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,092/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,148
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,708
−HK$1,582/mo
Today · 4.125%
HK$61,290
baseline
▲ 0.50% · 4.625%
HK$64,521
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,580/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,722
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,673
−HK$1,983/mo
Today · 4.125%
HK$66,656
baseline
▲ 0.50% · 4.625%
HK$70,711
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,312/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,649
−HK$1,899/mo
Today · 4.125%
HK$73,548
baseline
▲ 0.50% · 4.625%
HK$77,425
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,096/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,176
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,452
−HK$2,313/mo
Today · 4.125%
HK$77,765
baseline
▲ 0.50% · 4.625%
HK$82,497
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,530/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,408
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,591
−HK$2,215/mo
Today · 4.125%
HK$85,806
baseline
▲ 0.50% · 4.625%
HK$90,329
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,612/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,083
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,010
−HK$2,973/mo
Today · 4.125%
HK$99,983
baseline
▲ 0.50% · 4.625%
HK$106,067
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,966/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,667
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,474
−HK$2,848/mo
Today · 4.125%
HK$110,322
baseline
▲ 0.50% · 4.625%
HK$116,137
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,644/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,196 · Scale 2, in force from 26 Feb 2026)