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$52,223
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,847
−HK$1,651/mo
Today · 4.125%
HK$55,498
baseline
▲ 0.50% · 4.625%
HK$58,875
+HK$3,377/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,996/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,097
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,656
−HK$1,580/mo
Today · 4.125%
HK$61,236
baseline
▲ 0.50% · 4.625%
HK$64,464
+HK$3,228/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,472/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,667
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,617
−HK$1,980/mo
Today · 4.125%
HK$66,597
baseline
▲ 0.50% · 4.625%
HK$70,650
+HK$4,053/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,194/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,717
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,587
−HK$1,897/mo
Today · 4.125%
HK$73,484
baseline
▲ 0.50% · 4.625%
HK$77,357
+HK$3,873/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,968/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,112
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,386
−HK$2,311/mo
Today · 4.125%
HK$77,697
baseline
▲ 0.50% · 4.625%
HK$82,424
+HK$4,727/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$155,394/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,336
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,518
−HK$2,213/mo
Today · 4.125%
HK$85,731
baseline
▲ 0.50% · 4.625%
HK$90,250
+HK$4,519/mo
Deposit HK$6.87M · loan HK$16.03M · min. income ≈ HK$171,462/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,971/mo
Today · 4.125%
HK$99,896
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$6,078/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$199,792/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,575
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,380
−HK$2,845/mo
Today · 4.125%
HK$110,225
baseline
▲ 0.50% · 4.625%
HK$116,035
+HK$5,810/mo
Deposit HK$2.29M · loan HK$20.61M · min. income ≈ HK$220,450/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,344 · Scale 2, in force from 26 Feb 2026)