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$52,346
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,654/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$3,385/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,234
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,796
−HK$1,584/mo
Today · 4.125%
HK$61,380
baseline
▲ 0.50% · 4.625%
HK$64,616
+HK$3,236/mo
Deposit HK$11.48M · loan HK$11.48M · min. income ≈ HK$122,760/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,815
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,769
−HK$1,985/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,816
+HK$4,062/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,881
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,755
−HK$1,901/mo
Today · 4.125%
HK$73,656
baseline
▲ 0.50% · 4.625%
HK$77,539
+HK$3,883/mo
Deposit HK$9.18M · loan HK$13.77M · min. income ≈ HK$147,312/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,284
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,316/mo
Today · 4.125%
HK$77,880
baseline
▲ 0.50% · 4.625%
HK$82,618
+HK$4,738/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$155,760/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,528
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,714
−HK$2,218/mo
Today · 4.125%
HK$85,932
baseline
▲ 0.50% · 4.625%
HK$90,462
+HK$4,530/mo
Deposit HK$6.89M · loan HK$16.07M · min. income ≈ HK$171,864/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,222
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,153
−HK$2,978/mo
Today · 4.125%
HK$100,131
baseline
▲ 0.50% · 4.625%
HK$106,224
+HK$6,093/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$200,262/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,821
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,633
−HK$2,852/mo
Today · 4.125%
HK$110,485
baseline
▲ 0.50% · 4.625%
HK$116,308
+HK$5,823/mo
Deposit HK$2.30M · loan HK$20.66M · min. income ≈ HK$220,970/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$975,634 · Scale 2, in force from 26 Feb 2026)