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$52,300
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,927
−HK$1,652/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,183
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,583/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$64,559
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,760
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,712
−HK$1,983/mo
Today · 4.125%
HK$66,695
baseline
▲ 0.50% · 4.625%
HK$70,754
+HK$4,059/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,390/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,820
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,692
−HK$1,900/mo
Today · 4.125%
HK$73,592
baseline
▲ 0.50% · 4.625%
HK$77,471
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,184/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,220
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,497
−HK$2,314/mo
Today · 4.125%
HK$77,811
baseline
▲ 0.50% · 4.625%
HK$82,546
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,622/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,456
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,641
−HK$2,216/mo
Today · 4.125%
HK$85,857
baseline
▲ 0.50% · 4.625%
HK$90,383
+HK$4,526/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,714/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,140
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,068
−HK$2,975/mo
Today · 4.125%
HK$100,043
baseline
▲ 0.50% · 4.625%
HK$106,130
+HK$6,087/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,086/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,729
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,538
−HK$2,849/mo
Today · 4.125%
HK$110,387
baseline
▲ 0.50% · 4.625%
HK$116,206
+HK$5,819/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,774/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,776 · Scale 2, in force from 26 Feb 2026)