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$52,414
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,044
−HK$1,657/mo
Today · 4.125%
HK$55,701
baseline
▲ 0.50% · 4.625%
HK$59,090
+HK$3,389/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,402/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,310
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,874
−HK$1,586/mo
Today · 4.125%
HK$61,460
baseline
▲ 0.50% · 4.625%
HK$64,700
+HK$3,240/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,920/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,897
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,988/mo
Today · 4.125%
HK$66,841
baseline
▲ 0.50% · 4.625%
HK$70,908
+HK$4,067/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,682/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,849
−HK$1,904/mo
Today · 4.125%
HK$73,753
baseline
▲ 0.50% · 4.625%
HK$77,640
+HK$3,887/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,506/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,380
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,662
−HK$2,319/mo
Today · 4.125%
HK$77,981
baseline
▲ 0.50% · 4.625%
HK$82,726
+HK$4,745/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$155,962/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,634
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,824
−HK$2,221/mo
Today · 4.125%
HK$86,045
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$4,535/mo
Deposit HK$6.90M · loan HK$16.09M · min. income ≈ HK$172,090/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,345
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,280
−HK$2,982/mo
Today · 4.125%
HK$100,262
baseline
▲ 0.50% · 4.625%
HK$106,362
+HK$6,100/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$200,524/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,958
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,773
−HK$2,856/mo
Today · 4.125%
HK$110,629
baseline
▲ 0.50% · 4.625%
HK$116,460
+HK$5,831/mo
Deposit HK$2.30M · loan HK$20.69M · min. income ≈ HK$221,258/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$976,907 · Scale 2, in force from 26 Feb 2026)