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$52,334
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,654/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$3,384/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,221
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,782
−HK$1,584/mo
Today · 4.125%
HK$61,366
baseline
▲ 0.50% · 4.625%
HK$64,601
+HK$3,235/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,732/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,800
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,984/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,865
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,738
−HK$1,901/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$3,882/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,267
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,546
−HK$2,316/mo
Today · 4.125%
HK$77,862
baseline
▲ 0.50% · 4.625%
HK$82,599
+HK$4,737/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,724/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,509
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,695
−HK$2,217/mo
Today · 4.125%
HK$85,912
baseline
▲ 0.50% · 4.625%
HK$90,441
+HK$4,529/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,824/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,200
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,131
−HK$2,977/mo
Today · 4.125%
HK$100,108
baseline
▲ 0.50% · 4.625%
HK$106,199
+HK$6,091/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,216/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,797
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,608
−HK$2,851/mo
Today · 4.125%
HK$110,459
baseline
▲ 0.50% · 4.625%
HK$116,281
+HK$5,822/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,918/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,407 · Scale 2, in force from 26 Feb 2026)