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$52,290
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,917
−HK$1,652/mo
Today · 4.125%
HK$55,569
baseline
▲ 0.50% · 4.625%
HK$58,951
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,138/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,172
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,733
−HK$1,582/mo
Today · 4.125%
HK$61,315
baseline
▲ 0.50% · 4.625%
HK$64,547
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,630/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,748
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,700
−HK$1,983/mo
Today · 4.125%
HK$66,683
baseline
▲ 0.50% · 4.625%
HK$70,741
+HK$4,058/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,366/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,807
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,679
−HK$1,899/mo
Today · 4.125%
HK$73,578
baseline
▲ 0.50% · 4.625%
HK$77,457
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,156/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,484
−HK$2,313/mo
Today · 4.125%
HK$77,797
baseline
▲ 0.50% · 4.625%
HK$82,531
+HK$4,734/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,594/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,441
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,626
−HK$2,215/mo
Today · 4.125%
HK$85,841
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,682/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,123
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,050
−HK$2,975/mo
Today · 4.125%
HK$100,025
baseline
▲ 0.50% · 4.625%
HK$106,111
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,050/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,710
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,519
−HK$2,849/mo
Today · 4.125%
HK$110,368
baseline
▲ 0.50% · 4.625%
HK$116,185
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,736/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,600 · Scale 2, in force from 26 Feb 2026)