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$52,225
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,849
−HK$1,651/mo
Today · 4.125%
HK$55,500
baseline
▲ 0.50% · 4.625%
HK$58,877
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$111,000/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,100
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,658
−HK$1,581/mo
Today · 4.125%
HK$61,239
baseline
▲ 0.50% · 4.625%
HK$64,467
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,478/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,981/mo
Today · 4.125%
HK$66,600
baseline
▲ 0.50% · 4.625%
HK$70,652
+HK$4,052/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,200/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$1,896/mo
Today · 4.125%
HK$73,486
baseline
▲ 0.50% · 4.625%
HK$77,360
+HK$3,874/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,972/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,115
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,389
−HK$2,311/mo
Today · 4.125%
HK$77,700
baseline
▲ 0.50% · 4.625%
HK$82,428
+HK$4,728/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,400/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,340
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,521
−HK$2,213/mo
Today · 4.125%
HK$85,734
baseline
▲ 0.50% · 4.625%
HK$90,253
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,468/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,005
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,929
−HK$2,971/mo
Today · 4.125%
HK$99,900
baseline
▲ 0.50% · 4.625%
HK$105,979
+HK$6,079/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,800/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,580
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,384
−HK$2,846/mo
Today · 4.125%
HK$110,230
baseline
▲ 0.50% · 4.625%
HK$116,040
+HK$5,810/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,460/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,382 · Scale 2, in force from 26 Feb 2026)