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$52,323
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,653/mo
Today · 4.125%
HK$55,604
baseline
▲ 0.50% · 4.625%
HK$58,988
+HK$3,384/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,208/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,209
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,770
−HK$1,584/mo
Today · 4.125%
HK$61,354
baseline
▲ 0.50% · 4.625%
HK$64,588
+HK$3,234/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,708/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,788
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,741
−HK$1,984/mo
Today · 4.125%
HK$66,725
baseline
▲ 0.50% · 4.625%
HK$70,785
+HK$4,060/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,450/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,851
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,724
−HK$1,901/mo
Today · 4.125%
HK$73,625
baseline
▲ 0.50% · 4.625%
HK$77,505
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,250/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,252
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,531
−HK$2,315/mo
Today · 4.125%
HK$77,846
baseline
▲ 0.50% · 4.625%
HK$82,583
+HK$4,737/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,692/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,493
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,678
−HK$2,217/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$90,423
+HK$4,528/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,182
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,111
−HK$2,977/mo
Today · 4.125%
HK$100,088
baseline
▲ 0.50% · 4.625%
HK$106,178
+HK$6,090/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,176/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,776
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,586
−HK$2,851/mo
Today · 4.125%
HK$110,437
baseline
▲ 0.50% · 4.625%
HK$116,258
+HK$5,821/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,874/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,213 · Scale 2, in force from 26 Feb 2026)