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$52,304
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,931
−HK$1,653/mo
Today · 4.125%
HK$55,584
baseline
▲ 0.50% · 4.625%
HK$58,967
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,168/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,188
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,749
−HK$1,583/mo
Today · 4.125%
HK$61,332
baseline
▲ 0.50% · 4.625%
HK$64,565
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,664/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,765
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,718
−HK$1,983/mo
Today · 4.125%
HK$66,701
baseline
▲ 0.50% · 4.625%
HK$70,760
+HK$4,059/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$133,402/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,826
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,698
−HK$1,900/mo
Today · 4.125%
HK$73,598
baseline
▲ 0.50% · 4.625%
HK$77,478
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.76M · min. income ≈ HK$147,196/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,226
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,504
−HK$2,314/mo
Today · 4.125%
HK$77,818
baseline
▲ 0.50% · 4.625%
HK$82,553
+HK$4,735/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,636/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,463
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,648
−HK$2,217/mo
Today · 4.125%
HK$85,865
baseline
▲ 0.50% · 4.625%
HK$90,391
+HK$4,526/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,730/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,148
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,076
−HK$2,976/mo
Today · 4.125%
HK$100,052
baseline
▲ 0.50% · 4.625%
HK$106,140
+HK$6,088/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,104/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,739
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,548
−HK$2,849/mo
Today · 4.125%
HK$110,397
baseline
▲ 0.50% · 4.625%
HK$116,217
+HK$5,820/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,794/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,864 · Scale 2, in force from 26 Feb 2026)