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$52,245
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,870
−HK$1,651/mo
Today · 4.125%
HK$55,521
baseline
▲ 0.50% · 4.625%
HK$58,900
+HK$3,379/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$111,042/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,122
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,681
−HK$1,581/mo
Today · 4.125%
HK$61,262
baseline
▲ 0.50% · 4.625%
HK$64,492
+HK$3,230/mo
Deposit HK$11.46M · loan HK$11.46M · min. income ≈ HK$122,524/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,694
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,644
−HK$1,982/mo
Today · 4.125%
HK$66,626
baseline
▲ 0.50% · 4.625%
HK$70,680
+HK$4,054/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$133,252/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,747
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,617
−HK$1,898/mo
Today · 4.125%
HK$73,515
baseline
▲ 0.50% · 4.625%
HK$77,390
+HK$3,875/mo
Deposit HK$9.16M · loan HK$13.75M · min. income ≈ HK$147,030/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,143
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,418
−HK$2,312/mo
Today · 4.125%
HK$77,730
baseline
▲ 0.50% · 4.625%
HK$82,460
+HK$4,730/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$155,460/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,371
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,553
−HK$2,214/mo
Today · 4.125%
HK$85,767
baseline
▲ 0.50% · 4.625%
HK$90,288
+HK$4,521/mo
Deposit HK$6.87M · loan HK$16.04M · min. income ≈ HK$171,534/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,041
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,966
−HK$2,972/mo
Today · 4.125%
HK$99,938
baseline
▲ 0.50% · 4.625%
HK$106,019
+HK$6,081/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$199,876/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,620
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,426
−HK$2,846/mo
Today · 4.125%
HK$110,272
baseline
▲ 0.50% · 4.625%
HK$116,085
+HK$5,813/mo
Deposit HK$2.29M · loan HK$20.62M · min. income ≈ HK$220,544/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$973,758 · Scale 2, in force from 26 Feb 2026)