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$52,261
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,886
−HK$1,652/mo
Today · 4.125%
HK$55,538
baseline
▲ 0.50% · 4.625%
HK$58,917
+HK$3,379/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,076/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,139
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,699
−HK$1,582/mo
Today · 4.125%
HK$61,281
baseline
▲ 0.50% · 4.625%
HK$64,511
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,562/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,664
−HK$1,981/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,767
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,639
−HK$1,898/mo
Today · 4.125%
HK$73,537
baseline
▲ 0.50% · 4.625%
HK$77,413
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,074/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,165
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,441
−HK$2,312/mo
Today · 4.125%
HK$77,753
baseline
▲ 0.50% · 4.625%
HK$82,484
+HK$4,731/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,506/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,395
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,578
−HK$2,215/mo
Today · 4.125%
HK$85,793
baseline
▲ 0.50% · 4.625%
HK$90,315
+HK$4,522/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,586/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,069
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,995
−HK$2,973/mo
Today · 4.125%
HK$99,968
baseline
▲ 0.50% · 4.625%
HK$106,051
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,936/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,651
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,458
−HK$2,847/mo
Today · 4.125%
HK$110,305
baseline
▲ 0.50% · 4.625%
HK$116,119
+HK$5,814/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,610/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,049 · Scale 2, in force from 26 Feb 2026)