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$52,274
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,900
−HK$1,652/mo
Today · 4.125%
HK$55,552
baseline
▲ 0.50% · 4.625%
HK$58,932
+HK$3,380/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,104/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,154
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,714
−HK$1,582/mo
Today · 4.125%
HK$61,296
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,231/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,592/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,729
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,680
−HK$1,983/mo
Today · 4.125%
HK$66,663
baseline
▲ 0.50% · 4.625%
HK$70,719
+HK$4,056/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$133,326/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,785
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,657
−HK$1,899/mo
Today · 4.125%
HK$73,556
baseline
▲ 0.50% · 4.625%
HK$77,433
+HK$3,877/mo
Deposit HK$9.17M · loan HK$13.75M · min. income ≈ HK$147,112/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,184
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,460
−HK$2,313/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$82,505
+HK$4,732/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,416
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,600
−HK$2,215/mo
Today · 4.125%
HK$85,815
baseline
▲ 0.50% · 4.625%
HK$90,338
+HK$4,523/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,630/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,093
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,020
−HK$2,974/mo
Today · 4.125%
HK$99,994
baseline
▲ 0.50% · 4.625%
HK$106,078
+HK$6,084/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$199,988/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,678
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,485
−HK$2,848/mo
Today · 4.125%
HK$110,333
baseline
▲ 0.50% · 4.625%
HK$116,149
+HK$5,816/mo
Deposit HK$2.29M · loan HK$20.63M · min. income ≈ HK$220,666/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,299 · Scale 2, in force from 26 Feb 2026)