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$52,418
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,049
−HK$1,656/mo
Today · 4.125%
HK$55,705
baseline
▲ 0.50% · 4.625%
HK$59,095
+HK$3,390/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,410/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,315
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,879
−HK$1,586/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$64,705
+HK$3,240/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,902
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,859
−HK$1,988/mo
Today · 4.125%
HK$66,847
baseline
▲ 0.50% · 4.625%
HK$70,914
+HK$4,067/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$133,694/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,978
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,855
−HK$1,904/mo
Today · 4.125%
HK$73,759
baseline
▲ 0.50% · 4.625%
HK$77,646
+HK$3,887/mo
Deposit HK$9.20M · loan HK$13.79M · min. income ≈ HK$147,518/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,386
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,668
−HK$2,320/mo
Today · 4.125%
HK$77,988
baseline
▲ 0.50% · 4.625%
HK$82,733
+HK$4,745/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$155,976/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,641
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,830
−HK$2,222/mo
Today · 4.125%
HK$86,052
baseline
▲ 0.50% · 4.625%
HK$90,588
+HK$4,536/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,104/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,353
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,288
−HK$2,982/mo
Today · 4.125%
HK$100,270
baseline
▲ 0.50% · 4.625%
HK$106,371
+HK$6,101/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,540/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,967
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,782
−HK$2,856/mo
Today · 4.125%
HK$110,638
baseline
▲ 0.50% · 4.625%
HK$116,470
+HK$5,832/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,276/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,987 · Scale 2, in force from 26 Feb 2026)