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$52,284
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,910
−HK$1,653/mo
Today · 4.125%
HK$55,563
baseline
▲ 0.50% · 4.625%
HK$58,944
+HK$3,381/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,126/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,166
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,726
−HK$1,582/mo
Today · 4.125%
HK$61,308
baseline
▲ 0.50% · 4.625%
HK$64,540
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,616/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,741
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,693
−HK$1,982/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$4,057/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,799
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,671
−HK$1,899/mo
Today · 4.125%
HK$73,570
baseline
▲ 0.50% · 4.625%
HK$77,448
+HK$3,878/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,140/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,198
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,475
−HK$2,313/mo
Today · 4.125%
HK$77,788
baseline
▲ 0.50% · 4.625%
HK$82,521
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,576/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,432
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,616
−HK$2,215/mo
Today · 4.125%
HK$85,831
baseline
▲ 0.50% · 4.625%
HK$90,356
+HK$4,525/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,662/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,111
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,039
−HK$2,974/mo
Today · 4.125%
HK$100,013
baseline
▲ 0.50% · 4.625%
HK$106,099
+HK$6,086/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,026/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,698
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,506
−HK$2,849/mo
Today · 4.125%
HK$110,355
baseline
▲ 0.50% · 4.625%
HK$116,172
+HK$5,817/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,710/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,486 · Scale 2, in force from 26 Feb 2026)