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$52,350
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,655/mo
Today · 4.125%
HK$55,633
baseline
▲ 0.50% · 4.625%
HK$59,018
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,266/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,239
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,584/mo
Today · 4.125%
HK$61,385
baseline
▲ 0.50% · 4.625%
HK$64,621
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,770/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,820
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,774
−HK$1,985/mo
Today · 4.125%
HK$66,759
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,518/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,761
−HK$1,901/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$77,545
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,290
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,569
−HK$2,317/mo
Today · 4.125%
HK$77,886
baseline
▲ 0.50% · 4.625%
HK$82,625
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,772/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,534
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,721
−HK$2,218/mo
Today · 4.125%
HK$85,939
baseline
▲ 0.50% · 4.625%
HK$90,469
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,878/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,230
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,161
−HK$2,978/mo
Today · 4.125%
HK$100,139
baseline
▲ 0.50% · 4.625%
HK$106,232
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,278/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,830
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,641
−HK$2,852/mo
Today · 4.125%
HK$110,493
baseline
▲ 0.50% · 4.625%
HK$116,317
+HK$5,824/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,986/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,710 · Scale 2, in force from 26 Feb 2026)