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$52,219
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,843
−HK$1,650/mo
Today · 4.125%
HK$55,493
baseline
▲ 0.50% · 4.625%
HK$58,870
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,986/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,093
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,651
−HK$1,580/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,459
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,662
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,980/mo
Today · 4.125%
HK$66,592
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,184/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,711
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,581
−HK$1,897/mo
Today · 4.125%
HK$73,478
baseline
▲ 0.50% · 4.625%
HK$77,351
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,956/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,106
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,380
−HK$2,311/mo
Today · 4.125%
HK$77,691
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,382/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,330
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,511
−HK$2,213/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,242
+HK$4,518/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,448/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,994
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,917
−HK$2,971/mo
Today · 4.125%
HK$99,888
baseline
▲ 0.50% · 4.625%
HK$105,966
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,776/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,567
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,371
−HK$2,845/mo
Today · 4.125%
HK$110,216
baseline
▲ 0.50% · 4.625%
HK$116,026
+HK$5,810/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,432/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,266 · Scale 2, in force from 26 Feb 2026)