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$52,318
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,653/mo
Today · 4.125%
HK$55,599
baseline
▲ 0.50% · 4.625%
HK$58,982
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,198/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,204
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,765
−HK$1,583/mo
Today · 4.125%
HK$61,348
baseline
▲ 0.50% · 4.625%
HK$64,582
+HK$3,234/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,696/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,782
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,984/mo
Today · 4.125%
HK$66,719
baseline
▲ 0.50% · 4.625%
HK$70,779
+HK$4,060/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,438/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,844
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,717
−HK$1,901/mo
Today · 4.125%
HK$73,618
baseline
▲ 0.50% · 4.625%
HK$77,498
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,236/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,246
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,315/mo
Today · 4.125%
HK$77,839
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,736/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,678/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,485
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,670
−HK$2,217/mo
Today · 4.125%
HK$85,887
baseline
▲ 0.50% · 4.625%
HK$90,415
+HK$4,528/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,774/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,173
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,102
−HK$2,976/mo
Today · 4.125%
HK$100,078
baseline
▲ 0.50% · 4.625%
HK$106,168
+HK$6,090/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,156/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,766
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,576
−HK$2,851/mo
Today · 4.125%
HK$110,427
baseline
▲ 0.50% · 4.625%
HK$116,247
+HK$5,820/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,854/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,121 · Scale 2, in force from 26 Feb 2026)