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$52,275
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,901
−HK$1,652/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,933
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,155
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,582/mo
Today · 4.125%
HK$61,297
baseline
▲ 0.50% · 4.625%
HK$64,529
+HK$3,232/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,594/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,730
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,681
−HK$1,983/mo
Today · 4.125%
HK$66,664
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,328/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,787
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$1,899/mo
Today · 4.125%
HK$73,557
baseline
▲ 0.50% · 4.625%
HK$77,434
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,114/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,185
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,462
−HK$2,312/mo
Today · 4.125%
HK$77,774
baseline
▲ 0.50% · 4.625%
HK$82,507
+HK$4,733/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,548/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,418
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,601
−HK$2,215/mo
Today · 4.125%
HK$85,816
baseline
▲ 0.50% · 4.625%
HK$90,340
+HK$4,524/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,632/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,095
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,022
−HK$2,974/mo
Today · 4.125%
HK$99,996
baseline
▲ 0.50% · 4.625%
HK$106,080
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,992/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,680
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,487
−HK$2,848/mo
Today · 4.125%
HK$110,335
baseline
▲ 0.50% · 4.625%
HK$116,151
+HK$5,816/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,670/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,316 · Scale 2, in force from 26 Feb 2026)