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$52,351
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,979
−HK$1,654/mo
Today · 4.125%
HK$55,633
baseline
▲ 0.50% · 4.625%
HK$59,019
+HK$3,386/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$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,239
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,801
−HK$1,585/mo
Today · 4.125%
HK$61,386
baseline
▲ 0.50% · 4.625%
HK$64,622
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,772/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,775
−HK$1,985/mo
Today · 4.125%
HK$66,760
baseline
▲ 0.50% · 4.625%
HK$70,822
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,520/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,887
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,762
−HK$1,901/mo
Today · 4.125%
HK$73,663
baseline
▲ 0.50% · 4.625%
HK$77,546
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,326/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,571
−HK$2,316/mo
Today · 4.125%
HK$77,887
baseline
▲ 0.50% · 4.625%
HK$82,626
+HK$4,739/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,774/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,535
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,722
−HK$2,218/mo
Today · 4.125%
HK$85,940
baseline
▲ 0.50% · 4.625%
HK$90,470
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,880/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,231
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,162
−HK$2,978/mo
Today · 4.125%
HK$100,140
baseline
▲ 0.50% · 4.625%
HK$106,233
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,280/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,831
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,643
−HK$2,852/mo
Today · 4.125%
HK$110,495
baseline
▲ 0.50% · 4.625%
HK$116,319
+HK$5,824/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,990/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,724 · Scale 2, in force from 26 Feb 2026)