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$52,259
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,651/mo
Today · 4.125%
HK$55,536
baseline
▲ 0.50% · 4.625%
HK$58,915
+HK$3,379/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,072/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,138
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,697
−HK$1,582/mo
Today · 4.125%
HK$61,279
baseline
▲ 0.50% · 4.625%
HK$64,509
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,558/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,711
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,982/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$4,055/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,765
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$1,898/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$3,876/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,163
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,438
−HK$2,313/mo
Today · 4.125%
HK$77,751
baseline
▲ 0.50% · 4.625%
HK$82,481
+HK$4,730/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$155,502/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,576
−HK$2,214/mo
Today · 4.125%
HK$85,790
baseline
▲ 0.50% · 4.625%
HK$90,312
+HK$4,522/mo
Deposit HK$6.88M · loan HK$16.04M · min. income ≈ HK$171,580/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,066
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,992
−HK$2,973/mo
Today · 4.125%
HK$99,965
baseline
▲ 0.50% · 4.625%
HK$106,048
+HK$6,083/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,930/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,648
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,454
−HK$2,847/mo
Today · 4.125%
HK$110,301
baseline
▲ 0.50% · 4.625%
HK$116,116
+HK$5,815/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,602/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,017 · Scale 2, in force from 26 Feb 2026)