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$52,241
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,866
−HK$1,651/mo
Today · 4.125%
HK$55,517
baseline
▲ 0.50% · 4.625%
HK$58,895
+HK$3,378/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,034/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,118
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,676
−HK$1,582/mo
Today · 4.125%
HK$61,258
baseline
▲ 0.50% · 4.625%
HK$64,487
+HK$3,229/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,516/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,689
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,639
−HK$1,981/mo
Today · 4.125%
HK$66,620
baseline
▲ 0.50% · 4.625%
HK$70,674
+HK$4,054/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,240/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,741
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,612
−HK$1,897/mo
Today · 4.125%
HK$73,509
baseline
▲ 0.50% · 4.625%
HK$77,384
+HK$3,875/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,018/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,137
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,412
−HK$2,312/mo
Today · 4.125%
HK$77,724
baseline
▲ 0.50% · 4.625%
HK$82,453
+HK$4,729/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,448/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,365
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,547
−HK$2,214/mo
Today · 4.125%
HK$85,761
baseline
▲ 0.50% · 4.625%
HK$90,281
+HK$4,520/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,522/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,959
−HK$2,972/mo
Today · 4.125%
HK$99,931
baseline
▲ 0.50% · 4.625%
HK$106,011
+HK$6,080/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,862/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,612
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,417
−HK$2,847/mo
Today · 4.125%
HK$110,264
baseline
▲ 0.50% · 4.625%
HK$116,076
+HK$5,812/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,528/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,683 · Scale 2, in force from 26 Feb 2026)