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$52,201
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$53,824
−HK$1,650/mo
Today · 4.125%
HK$55,474
baseline
▲ 0.50% · 4.625%
HK$58,850
+HK$3,376/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$110,948/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,073
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,630
−HK$1,580/mo
Today · 4.125%
HK$61,210
baseline
▲ 0.50% · 4.625%
HK$64,437
+HK$3,227/mo
Deposit HK$11.45M · loan HK$11.45M · min. income ≈ HK$122,420/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,641
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,589
−HK$1,980/mo
Today · 4.125%
HK$66,569
baseline
▲ 0.50% · 4.625%
HK$70,620
+HK$4,051/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$133,138/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,687
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,556
−HK$1,896/mo
Today · 4.125%
HK$73,452
baseline
▲ 0.50% · 4.625%
HK$77,324
+HK$3,872/mo
Deposit HK$9.16M · loan HK$13.74M · min. income ≈ HK$146,904/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,081
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,354
−HK$2,310/mo
Today · 4.125%
HK$77,664
baseline
▲ 0.50% · 4.625%
HK$82,389
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,328/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,302
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,212/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,211
+HK$4,517/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,961
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,884
−HK$2,969/mo
Today · 4.125%
HK$99,853
baseline
▲ 0.50% · 4.625%
HK$105,929
+HK$6,076/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,706/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,531
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,334
−HK$2,844/mo
Today · 4.125%
HK$110,178
baseline
▲ 0.50% · 4.625%
HK$115,986
+HK$5,808/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,356/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,931 · Scale 2, in force from 26 Feb 2026)