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$53,887
−HK$1,651/mo
Today · 4.125%
HK$55,538
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$3,380/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$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,141/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$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,664
−HK$1,982/mo
Today · 4.125%
HK$66,646
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,292/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,768
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,639
−HK$1,898/mo
Today · 4.125%
HK$73,537
baseline
▲ 0.50% · 4.625%
HK$77,414
+HK$3,877/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$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,166
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,442
−HK$2,312/mo
Today · 4.125%
HK$77,754
baseline
▲ 0.50% · 4.625%
HK$82,485
+HK$4,731/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,508/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,396
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,579
−HK$2,215/mo
Today · 4.125%
HK$85,794
baseline
▲ 0.50% · 4.625%
HK$90,316
+HK$4,522/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,588/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,070
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,996
−HK$2,973/mo
Today · 4.125%
HK$99,969
baseline
▲ 0.50% · 4.625%
HK$106,052
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,938/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,652
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,459
−HK$2,847/mo
Today · 4.125%
HK$110,306
baseline
▲ 0.50% · 4.625%
HK$116,121
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,612/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,059 · Scale 2, in force from 26 Feb 2026)