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$52,331
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,654/mo
Today · 4.125%
HK$55,613
baseline
▲ 0.50% · 4.625%
HK$58,997
+HK$3,384/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,226/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,218
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,584/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$64,598
+HK$3,235/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,797
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,984/mo
Today · 4.125%
HK$66,735
baseline
▲ 0.50% · 4.625%
HK$70,796
+HK$4,061/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,470/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,861
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$1,901/mo
Today · 4.125%
HK$73,636
baseline
▲ 0.50% · 4.625%
HK$77,517
+HK$3,881/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,272/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,264
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,543
−HK$2,315/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,737/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,505
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,691
−HK$2,217/mo
Today · 4.125%
HK$85,908
baseline
▲ 0.50% · 4.625%
HK$90,437
+HK$4,529/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,816/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,196
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,126
−HK$2,977/mo
Today · 4.125%
HK$100,103
baseline
▲ 0.50% · 4.625%
HK$106,194
+HK$6,091/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,206/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,792
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,603
−HK$2,851/mo
Today · 4.125%
HK$110,454
baseline
▲ 0.50% · 4.625%
HK$116,276
+HK$5,822/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,908/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,362 · Scale 2, in force from 26 Feb 2026)