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$52,280
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,906
−HK$1,652/mo
Today · 4.125%
HK$55,558
baseline
▲ 0.50% · 4.625%
HK$58,939
+HK$3,381/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,116/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,161
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,720
−HK$1,583/mo
Today · 4.125%
HK$61,303
baseline
▲ 0.50% · 4.625%
HK$64,534
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,606/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,735
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,687
−HK$1,983/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,793
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$1,899/mo
Today · 4.125%
HK$73,563
baseline
▲ 0.50% · 4.625%
HK$77,441
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,126/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,191
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,468
−HK$2,313/mo
Today · 4.125%
HK$77,781
baseline
▲ 0.50% · 4.625%
HK$82,514
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,562/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,425
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,608
−HK$2,216/mo
Today · 4.125%
HK$85,824
baseline
▲ 0.50% · 4.625%
HK$90,348
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,648/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,103
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,030
−HK$2,974/mo
Today · 4.125%
HK$100,004
baseline
▲ 0.50% · 4.625%
HK$106,089
+HK$6,085/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$200,008/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,689
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,497
−HK$2,848/mo
Today · 4.125%
HK$110,345
baseline
▲ 0.50% · 4.625%
HK$116,161
+HK$5,816/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,690/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,401 · Scale 2, in force from 26 Feb 2026)