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$52,405
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,035
−HK$1,656/mo
Today · 4.125%
HK$55,691
baseline
▲ 0.50% · 4.625%
HK$59,080
+HK$3,389/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,382/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,300
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,864
−HK$1,586/mo
Today · 4.125%
HK$61,450
baseline
▲ 0.50% · 4.625%
HK$64,689
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,900/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,886
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,842
−HK$1,987/mo
Today · 4.125%
HK$66,829
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$4,067/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,658/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,960
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,836
−HK$1,904/mo
Today · 4.125%
HK$73,740
baseline
▲ 0.50% · 4.625%
HK$77,627
+HK$3,887/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,480/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,367
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,649
−HK$2,319/mo
Today · 4.125%
HK$77,968
baseline
▲ 0.50% · 4.625%
HK$82,712
+HK$4,744/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$155,936/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,620
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,809
−HK$2,221/mo
Today · 4.125%
HK$86,030
baseline
▲ 0.50% · 4.625%
HK$90,564
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$172,060/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,329
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,263
−HK$2,981/mo
Today · 4.125%
HK$100,244
baseline
▲ 0.50% · 4.625%
HK$106,344
+HK$6,100/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,488/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,940
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,754
−HK$2,856/mo
Today · 4.125%
HK$110,610
baseline
▲ 0.50% · 4.625%
HK$116,440
+HK$5,830/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,220/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,737 · Scale 2, in force from 26 Feb 2026)