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$52,289
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,652/mo
Today · 4.125%
HK$55,568
baseline
▲ 0.50% · 4.625%
HK$58,949
+HK$3,381/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,136/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,171
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,731
−HK$1,583/mo
Today · 4.125%
HK$61,314
baseline
▲ 0.50% · 4.625%
HK$64,546
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,628/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,747
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,699
−HK$1,983/mo
Today · 4.125%
HK$66,682
baseline
▲ 0.50% · 4.625%
HK$70,739
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,364/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,805
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,678
−HK$1,899/mo
Today · 4.125%
HK$73,577
baseline
▲ 0.50% · 4.625%
HK$77,455
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,154/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,482
−HK$2,313/mo
Today · 4.125%
HK$77,795
baseline
▲ 0.50% · 4.625%
HK$82,529
+HK$4,734/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,590/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,440
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,624
−HK$2,216/mo
Today · 4.125%
HK$85,840
baseline
▲ 0.50% · 4.625%
HK$90,364
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,680/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,121
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,048
−HK$2,975/mo
Today · 4.125%
HK$100,023
baseline
▲ 0.50% · 4.625%
HK$106,109
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,046/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,708
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,516
−HK$2,849/mo
Today · 4.125%
HK$110,365
baseline
▲ 0.50% · 4.625%
HK$116,183
+HK$5,818/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,730/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,579 · Scale 2, in force from 26 Feb 2026)