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$52,393
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,656/mo
Today · 4.125%
HK$55,678
baseline
▲ 0.50% · 4.625%
HK$59,066
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,356/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,850
−HK$1,585/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,871
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,827
−HK$1,987/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,879
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,944
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,820
−HK$1,903/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$77,609
+HK$3,886/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,350
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,319/mo
Today · 4.125%
HK$77,950
baseline
▲ 0.50% · 4.625%
HK$82,693
+HK$4,743/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,900/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,601
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,789
−HK$2,221/mo
Today · 4.125%
HK$86,010
baseline
▲ 0.50% · 4.625%
HK$90,543
+HK$4,533/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,020/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,307
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,240
−HK$2,981/mo
Today · 4.125%
HK$100,221
baseline
▲ 0.50% · 4.625%
HK$106,319
+HK$6,098/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,442/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,916
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,729
−HK$2,855/mo
Today · 4.125%
HK$110,584
baseline
▲ 0.50% · 4.625%
HK$116,413
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,168/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,510 · Scale 2, in force from 26 Feb 2026)