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$52,221
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,845
−HK$1,651/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,872
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,095
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,653
−HK$1,581/mo
Today · 4.125%
HK$61,234
baseline
▲ 0.50% · 4.625%
HK$64,462
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,468/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,614
−HK$1,981/mo
Today · 4.125%
HK$66,595
baseline
▲ 0.50% · 4.625%
HK$70,647
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,190/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,714
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$1,897/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,354
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,109
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$2,311/mo
Today · 4.125%
HK$77,694
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,388/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,333
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,515
−HK$2,212/mo
Today · 4.125%
HK$85,727
baseline
▲ 0.50% · 4.625%
HK$90,246
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,454/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,921
−HK$2,971/mo
Today · 4.125%
HK$99,892
baseline
▲ 0.50% · 4.625%
HK$105,970
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,784/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,571
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,376
−HK$2,845/mo
Today · 4.125%
HK$110,221
baseline
▲ 0.50% · 4.625%
HK$116,031
+HK$5,810/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,442/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,306 · Scale 2, in force from 26 Feb 2026)