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$52,317
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,654/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$3,383/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,202
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,763
−HK$1,584/mo
Today · 4.125%
HK$61,347
baseline
▲ 0.50% · 4.625%
HK$64,580
+HK$3,233/mo
Deposit HK$11.47M · loan HK$11.47M · min. income ≈ HK$122,694/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,780
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,984/mo
Today · 4.125%
HK$66,717
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$4,060/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,434/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,843
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$1,900/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$3,880/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,244
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,522
−HK$2,315/mo
Today · 4.125%
HK$77,837
baseline
▲ 0.50% · 4.625%
HK$82,573
+HK$4,736/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$155,674/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,483
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,668
−HK$2,217/mo
Today · 4.125%
HK$85,885
baseline
▲ 0.50% · 4.625%
HK$90,413
+HK$4,528/mo
Deposit HK$6.88M · loan HK$16.06M · min. income ≈ HK$171,770/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,171
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,100
−HK$2,976/mo
Today · 4.125%
HK$100,076
baseline
▲ 0.50% · 4.625%
HK$106,165
+HK$6,089/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$200,152/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,764
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,574
−HK$2,850/mo
Today · 4.125%
HK$110,424
baseline
▲ 0.50% · 4.625%
HK$116,245
+HK$5,821/mo
Deposit HK$2.29M · loan HK$20.65M · min. income ≈ HK$220,848/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,099 · Scale 2, in force from 26 Feb 2026)