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$52,400
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,030
−HK$1,656/mo
Today · 4.125%
HK$55,686
baseline
▲ 0.50% · 4.625%
HK$59,074
+HK$3,388/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$111,372/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,294
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,586/mo
Today · 4.125%
HK$61,443
baseline
▲ 0.50% · 4.625%
HK$64,682
+HK$3,239/mo
Deposit HK$11.49M · loan HK$11.49M · min. income ≈ HK$122,886/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,880
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,835
−HK$1,988/mo
Today · 4.125%
HK$66,823
baseline
▲ 0.50% · 4.625%
HK$70,889
+HK$4,066/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$133,646/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,953
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$1,903/mo
Today · 4.125%
HK$73,732
baseline
▲ 0.50% · 4.625%
HK$77,619
+HK$3,887/mo
Deposit HK$9.19M · loan HK$13.79M · min. income ≈ HK$147,464/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,359
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,641
−HK$2,319/mo
Today · 4.125%
HK$77,960
baseline
▲ 0.50% · 4.625%
HK$82,703
+HK$4,743/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$155,920/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,612
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,800
−HK$2,221/mo
Today · 4.125%
HK$86,021
baseline
▲ 0.50% · 4.625%
HK$90,555
+HK$4,534/mo
Deposit HK$6.89M · loan HK$16.09M · min. income ≈ HK$172,042/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,319
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,253
−HK$2,981/mo
Today · 4.125%
HK$100,234
baseline
▲ 0.50% · 4.625%
HK$106,333
+HK$6,099/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$200,468/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,929
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,743
−HK$2,855/mo
Today · 4.125%
HK$110,598
baseline
▲ 0.50% · 4.625%
HK$116,428
+HK$5,830/mo
Deposit HK$2.30M · loan HK$20.68M · min. income ≈ HK$221,196/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$976,638 · Scale 2, in force from 26 Feb 2026)