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$52,239
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,864
−HK$1,651/mo
Today · 4.125%
HK$55,515
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$3,378/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,030/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,115
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,674
−HK$1,581/mo
Today · 4.125%
HK$61,255
baseline
▲ 0.50% · 4.625%
HK$64,484
+HK$3,229/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,510/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,637
−HK$1,981/mo
Today · 4.125%
HK$66,618
baseline
▲ 0.50% · 4.625%
HK$70,671
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,236/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,738
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,609
−HK$1,897/mo
Today · 4.125%
HK$73,506
baseline
▲ 0.50% · 4.625%
HK$77,381
+HK$3,875/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,012/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,135
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,409
−HK$2,312/mo
Today · 4.125%
HK$77,721
baseline
▲ 0.50% · 4.625%
HK$82,450
+HK$4,729/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,442/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,361
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,213/mo
Today · 4.125%
HK$85,757
baseline
▲ 0.50% · 4.625%
HK$90,278
+HK$4,521/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,514/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,030
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,955
−HK$2,972/mo
Today · 4.125%
HK$99,927
baseline
▲ 0.50% · 4.625%
HK$106,007
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,854/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,608
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,413
−HK$2,846/mo
Today · 4.125%
HK$110,259
baseline
▲ 0.50% · 4.625%
HK$116,071
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,518/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,644 · Scale 2, in force from 26 Feb 2026)