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$52,366
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,654/mo
Today · 4.125%
HK$55,649
baseline
▲ 0.50% · 4.625%
HK$59,036
+HK$3,387/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,298/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,256
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,819
−HK$1,585/mo
Today · 4.125%
HK$61,404
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,808/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,839
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,793
−HK$1,986/mo
Today · 4.125%
HK$66,779
baseline
▲ 0.50% · 4.625%
HK$70,843
+HK$4,064/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$133,558/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,908
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,782
−HK$1,902/mo
Today · 4.125%
HK$73,684
baseline
▲ 0.50% · 4.625%
HK$77,568
+HK$3,884/mo
Deposit HK$9.19M · loan HK$13.78M · min. income ≈ HK$147,368/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,592
−HK$2,317/mo
Today · 4.125%
HK$77,909
baseline
▲ 0.50% · 4.625%
HK$82,650
+HK$4,741/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,818/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,559
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,746
−HK$2,219/mo
Today · 4.125%
HK$85,965
baseline
▲ 0.50% · 4.625%
HK$90,497
+HK$4,532/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$171,930/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,258
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,190
−HK$2,979/mo
Today · 4.125%
HK$100,169
baseline
▲ 0.50% · 4.625%
HK$106,264
+HK$6,095/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$200,338/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,861
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,674
−HK$2,853/mo
Today · 4.125%
HK$110,527
baseline
▲ 0.50% · 4.625%
HK$116,353
+HK$5,826/mo
Deposit HK$2.30M · loan HK$20.67M · min. income ≈ HK$221,054/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,006 · Scale 2, in force from 26 Feb 2026)