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$52,159
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,781
−HK$1,649/mo
Today · 4.125%
HK$55,430
baseline
▲ 0.50% · 4.625%
HK$58,802
+HK$3,372/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,860/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,026
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,582
−HK$1,579/mo
Today · 4.125%
HK$61,161
baseline
▲ 0.50% · 4.625%
HK$64,385
+HK$3,224/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,322/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,591
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,979/mo
Today · 4.125%
HK$66,516
baseline
▲ 0.50% · 4.625%
HK$70,563
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,032/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,631
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,499
−HK$1,894/mo
Today · 4.125%
HK$73,393
baseline
▲ 0.50% · 4.625%
HK$77,262
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,786/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,022
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,294
−HK$2,307/mo
Today · 4.125%
HK$77,601
baseline
▲ 0.50% · 4.625%
HK$82,323
+HK$4,722/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,202/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,237
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,415
−HK$2,211/mo
Today · 4.125%
HK$85,626
baseline
▲ 0.50% · 4.625%
HK$90,139
+HK$4,513/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,252/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,886
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,806
−HK$2,967/mo
Today · 4.125%
HK$99,773
baseline
▲ 0.50% · 4.625%
HK$105,844
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,546/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,447
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,248
−HK$2,842/mo
Today · 4.125%
HK$110,090
baseline
▲ 0.50% · 4.625%
HK$115,893
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,180/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,149 · Scale 2, in force from 26 Feb 2026)