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$52,199
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,823
−HK$1,649/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,848
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,071
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,628
−HK$1,580/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,226/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,980/mo
Today · 4.125%
HK$66,567
baseline
▲ 0.50% · 4.625%
HK$70,617
+HK$4,050/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,134/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,554
−HK$1,896/mo
Today · 4.125%
HK$73,450
baseline
▲ 0.50% · 4.625%
HK$77,321
+HK$3,871/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,900/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,352
−HK$2,309/mo
Today · 4.125%
HK$77,661
baseline
▲ 0.50% · 4.625%
HK$82,387
+HK$4,726/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,322/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,299
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,479
−HK$2,212/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,208
+HK$4,517/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,958
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,881
−HK$2,969/mo
Today · 4.125%
HK$99,850
baseline
▲ 0.50% · 4.625%
HK$105,926
+HK$6,076/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,700/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,527
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,331
−HK$2,844/mo
Today · 4.125%
HK$110,175
baseline
▲ 0.50% · 4.625%
HK$115,982
+HK$5,807/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,350/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,897 · Scale 2, in force from 26 Feb 2026)