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$52,231
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,856
−HK$1,651/mo
Today · 4.125%
HK$55,507
baseline
▲ 0.50% · 4.625%
HK$58,884
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,014/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,107
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,665
−HK$1,581/mo
Today · 4.125%
HK$61,246
baseline
▲ 0.50% · 4.625%
HK$64,475
+HK$3,229/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,492/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,627
−HK$1,981/mo
Today · 4.125%
HK$66,608
baseline
▲ 0.50% · 4.625%
HK$70,661
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,216/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,728
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,598
−HK$1,898/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,370
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,124
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$2,311/mo
Today · 4.125%
HK$77,710
baseline
▲ 0.50% · 4.625%
HK$82,438
+HK$4,728/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,420/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,213/mo
Today · 4.125%
HK$85,745
baseline
▲ 0.50% · 4.625%
HK$90,265
+HK$4,520/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,490/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,017
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,941
−HK$2,971/mo
Today · 4.125%
HK$99,912
baseline
▲ 0.50% · 4.625%
HK$105,992
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,824/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,593
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,398
−HK$2,845/mo
Today · 4.125%
HK$110,243
baseline
▲ 0.50% · 4.625%
HK$116,055
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,486/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,504 · Scale 2, in force from 26 Feb 2026)