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$52,480
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,659/mo
Today · 4.125%
HK$55,771
baseline
▲ 0.50% · 4.625%
HK$59,164
+HK$3,393/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$111,542/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,383
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,949
−HK$1,589/mo
Today · 4.125%
HK$61,538
baseline
▲ 0.50% · 4.625%
HK$64,781
+HK$3,243/mo
Deposit HK$11.51M · loan HK$11.51M · min. income ≈ HK$123,076/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,976
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,935
−HK$1,990/mo
Today · 4.125%
HK$66,925
baseline
▲ 0.50% · 4.625%
HK$70,997
+HK$4,072/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$133,850/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,060
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,939
−HK$1,906/mo
Today · 4.125%
HK$73,845
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$3,893/mo
Deposit HK$9.21M · loan HK$13.81M · min. income ≈ HK$147,690/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,472
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,322/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,830
+HK$4,751/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,737
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,929
−HK$2,224/mo
Today · 4.125%
HK$86,153
baseline
▲ 0.50% · 4.625%
HK$90,694
+HK$4,541/mo
Deposit HK$6.90M · loan HK$16.11M · min. income ≈ HK$172,306/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,464
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,986/mo
Today · 4.125%
HK$100,388
baseline
▲ 0.50% · 4.625%
HK$106,496
+HK$6,108/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$200,776/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,090
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,909
−HK$2,859/mo
Today · 4.125%
HK$110,768
baseline
▲ 0.50% · 4.625%
HK$116,606
+HK$5,838/mo
Deposit HK$2.30M · loan HK$20.71M · min. income ≈ HK$221,536/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$978,134 · Scale 2, in force from 26 Feb 2026)