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$52,276
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,652/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,156
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,716
−HK$1,582/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$64,530
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,731
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,983/mo
Today · 4.125%
HK$66,665
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,330/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,788
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$1,899/mo
Today · 4.125%
HK$73,558
baseline
▲ 0.50% · 4.625%
HK$77,435
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,116/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,186
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$2,313/mo
Today · 4.125%
HK$77,776
baseline
▲ 0.50% · 4.625%
HK$82,508
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,552/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,603
−HK$2,215/mo
Today · 4.125%
HK$85,818
baseline
▲ 0.50% · 4.625%
HK$90,341
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,636/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,097
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,024
−HK$2,973/mo
Today · 4.125%
HK$99,997
baseline
▲ 0.50% · 4.625%
HK$106,082
+HK$6,085/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,994/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,682
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,489
−HK$2,848/mo
Today · 4.125%
HK$110,337
baseline
▲ 0.50% · 4.625%
HK$116,153
+HK$5,816/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,674/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,332 · Scale 2, in force from 26 Feb 2026)