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$52,185
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,649/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,831
+HK$3,374/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,579/mo
Today · 4.125%
HK$61,191
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,226/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,382/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,621
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,569
−HK$1,979/mo
Today · 4.125%
HK$66,548
baseline
▲ 0.50% · 4.625%
HK$70,598
+HK$4,050/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,096/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,666
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$1,896/mo
Today · 4.125%
HK$73,430
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$3,870/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,860/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,058
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,331
−HK$2,309/mo
Today · 4.125%
HK$77,640
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,724/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,280/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,277
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,456
−HK$2,212/mo
Today · 4.125%
HK$85,668
baseline
▲ 0.50% · 4.625%
HK$90,183
+HK$4,515/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,336/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,932
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,854
−HK$2,968/mo
Today · 4.125%
HK$99,822
baseline
▲ 0.50% · 4.625%
HK$105,896
+HK$6,074/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,644/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,499
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,301
−HK$2,843/mo
Today · 4.125%
HK$110,144
baseline
▲ 0.50% · 4.625%
HK$115,950
+HK$5,806/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,288/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,629 · Scale 2, in force from 26 Feb 2026)