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$52,298
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,925
−HK$1,653/mo
Today · 4.125%
HK$55,578
baseline
▲ 0.50% · 4.625%
HK$58,960
+HK$3,382/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,156/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,181
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,742
−HK$1,583/mo
Today · 4.125%
HK$61,325
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,232/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,650/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,758
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,710
−HK$1,983/mo
Today · 4.125%
HK$66,693
baseline
▲ 0.50% · 4.625%
HK$70,752
+HK$4,059/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$133,386/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,818
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$1,900/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$77,469
+HK$3,879/mo
Deposit HK$9.17M · loan HK$13.76M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,218
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,495
−HK$2,314/mo
Today · 4.125%
HK$77,809
baseline
▲ 0.50% · 4.625%
HK$82,543
+HK$4,734/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$155,618/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,454
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,638
−HK$2,216/mo
Today · 4.125%
HK$85,854
baseline
▲ 0.50% · 4.625%
HK$90,380
+HK$4,526/mo
Deposit HK$6.88M · loan HK$16.05M · min. income ≈ HK$171,708/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,137
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,065
−HK$2,975/mo
Today · 4.125%
HK$100,040
baseline
▲ 0.50% · 4.625%
HK$106,127
+HK$6,087/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$200,080/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,726
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,535
−HK$2,849/mo
Today · 4.125%
HK$110,384
baseline
▲ 0.50% · 4.625%
HK$116,203
+HK$5,819/mo
Deposit HK$2.29M · loan HK$20.64M · min. income ≈ HK$220,768/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$974,749 · Scale 2, in force from 26 Feb 2026)