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$52,175
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,798
−HK$1,649/mo
Today · 4.125%
HK$55,447
baseline
▲ 0.50% · 4.625%
HK$58,821
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,894/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,045
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,601
−HK$1,580/mo
Today · 4.125%
HK$61,181
baseline
▲ 0.50% · 4.625%
HK$64,405
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,362/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,610
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,558
−HK$1,979/mo
Today · 4.125%
HK$66,537
baseline
▲ 0.50% · 4.625%
HK$70,585
+HK$4,048/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,074/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,654
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,522
−HK$1,895/mo
Today · 4.125%
HK$73,417
baseline
▲ 0.50% · 4.625%
HK$77,287
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,834/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,046
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,318
−HK$2,308/mo
Today · 4.125%
HK$77,626
baseline
▲ 0.50% · 4.625%
HK$82,350
+HK$4,724/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$155,252/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,262
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,442
−HK$2,211/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,168
+HK$4,515/mo
Deposit HK$6.86M · loan HK$16.02M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,916
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,837
−HK$2,968/mo
Today · 4.125%
HK$99,805
baseline
▲ 0.50% · 4.625%
HK$105,878
+HK$6,073/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,610/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,480
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,282
−HK$2,843/mo
Today · 4.125%
HK$110,125
baseline
▲ 0.50% · 4.625%
HK$115,930
+HK$5,805/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,250/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,459 · Scale 2, in force from 26 Feb 2026)