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$52,157
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,779
−HK$1,648/mo
Today · 4.125%
HK$55,427
baseline
▲ 0.50% · 4.625%
HK$58,800
+HK$3,373/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,854/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,024
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,580
−HK$1,579/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,223/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,588
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,535
−HK$1,978/mo
Today · 4.125%
HK$66,513
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$4,047/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$133,026/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,628
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$1,894/mo
Today · 4.125%
HK$73,390
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$3,869/mo
Deposit HK$9.15M · loan HK$13.72M · min. income ≈ HK$146,780/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,019
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,291
−HK$2,307/mo
Today · 4.125%
HK$77,598
baseline
▲ 0.50% · 4.625%
HK$82,320
+HK$4,722/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$155,196/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,233
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,412
−HK$2,210/mo
Today · 4.125%
HK$85,622
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$4,513/mo
Deposit HK$6.86M · loan HK$16.01M · min. income ≈ HK$171,244/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,882
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,967/mo
Today · 4.125%
HK$99,769
baseline
▲ 0.50% · 4.625%
HK$105,840
+HK$6,071/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$199,538/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,443
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,244
−HK$2,841/mo
Today · 4.125%
HK$110,085
baseline
▲ 0.50% · 4.625%
HK$115,888
+HK$5,803/mo
Deposit HK$2.29M · loan HK$20.59M · min. income ≈ HK$220,170/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,109 · Scale 2, in force from 26 Feb 2026)