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$52,186
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,809
−HK$1,649/mo
Today · 4.125%
HK$55,458
baseline
▲ 0.50% · 4.625%
HK$58,833
+HK$3,375/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$110,916/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,056
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,613
−HK$1,580/mo
Today · 4.125%
HK$61,193
baseline
▲ 0.50% · 4.625%
HK$64,418
+HK$3,225/mo
Deposit HK$11.44M · loan HK$11.44M · min. income ≈ HK$122,386/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,623
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,571
−HK$1,979/mo
Today · 4.125%
HK$66,550
baseline
▲ 0.50% · 4.625%
HK$70,599
+HK$4,049/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$133,100/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,667
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,536
−HK$1,895/mo
Today · 4.125%
HK$73,431
baseline
▲ 0.50% · 4.625%
HK$77,302
+HK$3,871/mo
Deposit HK$9.15M · loan HK$13.73M · min. income ≈ HK$146,862/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,060
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,332
−HK$2,309/mo
Today · 4.125%
HK$77,641
baseline
▲ 0.50% · 4.625%
HK$82,366
+HK$4,725/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$155,282/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,278
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,458
−HK$2,212/mo
Today · 4.125%
HK$85,670
baseline
▲ 0.50% · 4.625%
HK$90,185
+HK$4,515/mo
Deposit HK$6.87M · loan HK$16.02M · min. income ≈ HK$171,340/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,934
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,856
−HK$2,969/mo
Today · 4.125%
HK$99,825
baseline
▲ 0.50% · 4.625%
HK$105,899
+HK$6,074/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$199,650/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,501
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,303
−HK$2,844/mo
Today · 4.125%
HK$110,147
baseline
▲ 0.50% · 4.625%
HK$115,953
+HK$5,806/mo
Deposit HK$2.29M · loan HK$20.60M · min. income ≈ HK$220,294/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$972,649 · Scale 2, in force from 26 Feb 2026)