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$52,391
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,021
−HK$1,656/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,285
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,848
−HK$1,586/mo
Today · 4.125%
HK$61,434
baseline
▲ 0.50% · 4.625%
HK$64,672
+HK$3,238/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,868/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,825
−HK$1,987/mo
Today · 4.125%
HK$66,812
baseline
▲ 0.50% · 4.625%
HK$70,877
+HK$4,065/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,624/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,942
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,818
−HK$1,903/mo
Today · 4.125%
HK$73,721
baseline
▲ 0.50% · 4.625%
HK$77,606
+HK$3,885/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,442/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,348
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,629
−HK$2,318/mo
Today · 4.125%
HK$77,947
baseline
▲ 0.50% · 4.625%
HK$82,690
+HK$4,743/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$155,894/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,599
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,787
−HK$2,220/mo
Today · 4.125%
HK$86,007
baseline
▲ 0.50% · 4.625%
HK$90,541
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.08M · min. income ≈ HK$172,014/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,304
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,238
−HK$2,980/mo
Today · 4.125%
HK$100,218
baseline
▲ 0.50% · 4.625%
HK$106,316
+HK$6,098/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,436/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,913
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,726
−HK$2,855/mo
Today · 4.125%
HK$110,581
baseline
▲ 0.50% · 4.625%
HK$116,410
+HK$5,829/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,162/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,484 · Scale 2, in force from 26 Feb 2026)